| dc.description.abstract | It is known that attitude plays a significant role in consumer decision process whether to
adopt new technology or not. Differences in attitude towards a product or a service
depend on the nature of the product, individuals and the duration in which the product
has been in the market. Based on the Technology Acceptance Model (TAM), the current
research study investigated the influence of gender, perceived ease of use, perceived
usefulness, trust, social norm, computer confidence on attitude towards e-banking and
intention to start or continue using internet/cell phone banking among company ABC
customers. Company ABC is a South African-based financial institution which was
officially launched in January 2015. With the benefits of e-banking outnumbering the
benefits of cash, company ABC started accepting electronic payments only in 2015, and
opened for cash transactions in 2016. The need to understand factors impacting on
consumers' attitude and behaviour towards using technology motivated the researcher.
A quantitative approach was used with the aim to understand the attitude of consumers
towards e-banking.
207 participants took part in the study. The sample was made up of customers from
company ABC. The e-banking attitude questionnaire consists of six scales measuring
perceived ease of use, perceived usefulness, subjective norm, attitude, computer
confidence, and intention to start to use or continue using e-banking. To measure the
impact of computer confidence on attitude towards e-banking, a standardized computer
attitude scale was adapted from a computer attitude scale which was developed by Loyd
and Loyd (1985). Statistical analyses software packages such as SPSS (version 23) and
LISREL (version 8.80) were utilised to measure the relationship between independent
and dependent variables. The comprehensive measurement model was assessed by
means of item parcelling. Both measurement and structural models showed good fit. | |
