Испитивање фактора који утичу на прихватање услуга Е-банкарства у граду Ченај

  • Akbar Jan N Faculty of HRM & OB, IBS Hyderabad, The ICFAI Foundation for Higher Education (Declared as Deemed-to-be university u/s 3 of the UGC Act 1956), Dontanpalli (Village), Shankerpalli Road, Hyderabad, Telangana., India. Pin: 501203.
  • Subramani A K Associate Professor, Department of Management Studies, St. Peter's College of Engineering and Technology, Avadi, Chennai - 600054. Tamil Nadu, India.
  • Radha Mohan Chebolu Faculty of HRM & OB, IBS Hyderabad, The ICFAI Foundation for Higher Education (Declared as Deemed-to-be university u/s 3 of the UGC Act 1956), Dontanpalli (Village), Shankerpalli Road, Hyderabad, Telangana., India. Pin: 501203.
  • Sasikala M S Department of Commerce, Acharya Institute of Graduate Studies, Acharya Dr. S Radhakrishnan Road, Soladevanahalli, Achit Nagar Post, Bengaluru 560-107, India
DOI: https://doi.org/10.5937/sjm15-20323
Ključne reči: усвајање технологије, уочена корисност, уочене баријере, перципирана ефикасност, услуге електронског банкарства, моделовање структуралних једначина

Sažetak


Индија као земља у развоју још увек има милионе људи који предност дају традиционалном филијалном банкарском систему, него електронском банкарству. Разлог за њихову преференцију је што они или оклевају или немају довољно знања о услугама е-банкарства. Сврха ове студије је да испита однос између уочене корисности, уочених баријера, става клијента и перципиране ефикасности усвајања услуга е-банкарства. За испитивње хопотетизираних односа коришћени су одговори 470 испитаника, клијената, како јавних тако и приватних банака. Ради испитивања конструката и њихових односа извршено је моделирање структуралних једначина. Студија је открила да постоји директна веза између уочене корисности и усвајања технологије у развијању ставова клијента према усвајању услуга е-банкарства; док не постоји веза између перципираних баријера и усвајања технологије. Величина узорка и потенцијални испитаници из одабраног региона студије могу ограничити његову ширу применљивост и уопштавање.

Biografije autora

Akbar Jan N, Faculty of HRM & OB, IBS Hyderabad, The ICFAI Foundation for Higher Education (Declared as Deemed-to-be university u/s 3 of the UGC Act 1956), Dontanpalli (Village), Shankerpalli Road, Hyderabad, Telangana., India. Pin: 501203.

Dr. N. Akbar Jan working is an Assistant Professor in HR&OB Department, School of Business Studies, ICFAI Business School, The ICFAI Foundation for Higher Education, Hyderabad, India. He has completed his Ph.D in Management studies from Anna University, Chennai, India. He has 14 years of teaching experience and 5 years of industrial experience. He has published 13 articles in International Journals (including 9 papers in Scopus indexed Journals), 4 articles in National Journals, and presented 10 papers at International Conferences, and 14 papers in National Conferences. He is also a recognized Researcher Supervisor for Anna University, Chennai. His area of research interest is Human Resource management and Quality Management. He has received ‘Teaching and Research Excellence Award’ from Grabs charitable Trust, India.

Subramani A K, Associate Professor, Department of Management Studies, St. Peter's College of Engineering and Technology, Avadi, Chennai - 600054. Tamil Nadu, India.

Dr. A.K.Subramani working as an Associate  Professor, Department of Management Studies, St. Peter's College of Engineering and Technology, Avadi, Chennai, India. He has completed Ph.D in Business Administration in Manonmaniam Sundaranar University, Tirunelveli, India. He has 12 years of teaching experience and published 46 articles in International Journals (including 7 in Scopus Indexed Journals and 3 in Anna University Annexure journals, 2 articles in National Journals, presented 5 papers in International Conferences and 16 papers in National Conferences. He has participated and organized FDP, MDP Programmes, Workshops, Seminars, etc. His area of research interests are human resource management, Organizational Behaviour and Operations management. He has received ‘Teaching and Research Excellence Award’ from Grabs charitable Trust, India.

Radha Mohan Chebolu, Faculty of HRM & OB, IBS Hyderabad, The ICFAI Foundation for Higher Education (Declared as Deemed-to-be university u/s 3 of the UGC Act 1956), Dontanpalli (Village), Shankerpalli Road, Hyderabad, Telangana., India. Pin: 501203.

Dr. Radha Mohan Chebola is having 16 years of Academic experience spread across the Higher Education domain and developed ample expertise on the institutional management. He is a
Certified Learning Development Manager (CLDM), and qualified UGC-NET certification in Management teaching. He has done extensive Research and publications in Management and social sciences (journals, magazines, derivative books) with specialization in HR Management and Organizational Behavior. Prominent among them are Corporate Governance, Knowledge Management, Organizational behaviour, Talent Management, Employee Empowerment, Corporate Social Responsibility, Organization Branding, Institution-Industry interface management and knowledge outsourcing, Performance management.

Sasikala M S, Department of Commerce, Acharya Institute of Graduate Studies, Acharya Dr. S Radhakrishnan Road, Soladevanahalli, Achit Nagar Post, Bengaluru 560-107, India

M.S. Sasikala completed her PhD in Management as a full time scholar at Anna University, Chennai region, India. She possesses 6.4 years of teaching experience and 2.2 years of Industrial experience. Her contribution towards research and development is amicable who published nearly 20 articles in international journals (including three in Scopus indexed journals). Her thrust area of research is service marketing who is a dynamic personality who brought inter-intra changes towards students’ betterment and organisational development.

Reference

Afshan, S., Sharif, A., Waseem, N., & Frooghi, R. (2018). Internet banking in Pakistan: an extended technology acceptance perspective. International Journal of Business Information Systems, 27 (3), 383-410.

Ahmad, M. (2018). Review of the technology acceptance model (TAM) in internet banking and mobile banking. International Journal of Information Communication Technology and Digital Convergence, 3 (1), 23-41.

Alawan, A.A., Dwivedi, Y.K., Rana, N.P.P., & Williams, M.D. (2016). Consumer adoption of mobile banking in Jordan: examining the role of usefulness, ease of use, perceived risk and self-efficacy. Journal of Enterprise Information Management, 29 (1), 118-139.

Alsajjan, B., & Dennis, C. (2010). Internet banking acceptance model: cross-market examination. Journal of Business Research, 63 (9-10), 957-963.

Alwan, H.A., & Al-Zubi, A.I. (2016). Determinants of internet banking adoption among customers of commercial banks: an empirical study in the Jordanian banking sector, International Journal of Business and Management, 11 (3), 95-104.

Al-Somali, S.A., Gholami, R., & Clegg, B. (2009). An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29 (2), 130-141.

Bauer, K., & Hein, S.E. (2006). The effect of heterogeneous risk on the early adoption of internet banking technologies. Journal of Banking & Finance, 30 (6), 1713-1725.

Chaouali, W., Yahia, I.B., & Souiden, N. (2016). The interplay of counter-conformity motivation, social influence, and trust in customers’ intention to adopt internet banking services: the case of an emerging country. Journal of Retailing and Consumer Services, 28 (C), 209-218.

Cheng, T.C.E., Lam, D.Y.C., & Yeung, A.C.L. (2006). Adoption of internet banking: an empirical study in Hong Kong. Decision Support Systems, 42 (3), 1558-1572.

Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13 (3), 319-340.

Fawzy, S.F., & Esawai, N. (2017). Internet banking adoption in Egypt: extending technology acceptance model. Journal of Business and Retail Management Research, 12 (1), 109-118.

Guriting, P., & Ndubisi, N.O. (2006). Borneo online banking: evaluating customer perceptions and behavioural intention. Management Research News, 29 (½), 6-15.

Hair, Jr. J.F., Black, W.C., Babin, B.J., Anderson, R.E., & Tatham, R.L. (2006). Multivariate Data Analysis. Person Prentice Hall, 6th edition, Upper Saddle River, New Jersey, NJ.

Heranadez, J.M.C., & Mazzon, J.A. (2007). Adoption of internet banking: proposition and implementation of an integrated methodology approach. International Journal of Bank Marketing, 25(2), 72-88.

Kuisma, T., Laukkanen, T., & Hiltunen, M. (2007). Mapping the reasons for resistance to internet banking: a means-end approach. International Journal of Information Management, 27 (2), 75-85.

Laforet, S., & Li, X. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23 (5), 362-380.

Laukkanen, T. (2016). Consumer adoption versus rejection decisions in seemingly similar service innovations: the case of the internet and mobile banking. Journal of Business Research, 69 (7), 2432-2439.

Liao, Z., & Cheung, M.T. (2002). Internet-based e-banking and consumer attitudes: an empirical study. Information and Management, 39 (4), 283-295.

Masoud, E., & Taqa, H.A. (2017). Factors affecting customers’ adoption of e-banking services in Jordan. Information Resources Management Journal, 30 (2), 44-60.

Nasri, W., & Charfeddine, L. (2012). Factors affecting the adoption of internet banking in Tunisia: an integration theory of acceptance model and theory of planned behavior. The Journal of High Technology Management Research, 23 (1), 1-14.

Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14 (3), 224-235.

Rahi, S., Abd.Ghani, M., & Ngah, A.H. (2019). Integration of unified theory of acceptance and use of technology in internet banking adopting setting: evidence from Pakistan. Technology in Society, (58), 101120.

Siyal, A.W., Ding, D., & Siyal, S. (2019). M-banking barriers in Pakistan: a customer perspective of adoption and continuity intention. Data Technologies and Applications, 53 (1), 58-84.

Venkatesh, V., Morris, M.G., Davis, G.B., & Davis, F.D. (2003). User acceptance of information technology: toward a unified view. MIS Quarterly, 27 (3), 425-478.

Objavljeno
2020/11/08
Broj časopisa
Vol. 15 Br. 2 (2020): Serbian Journal of Management
Rubrika
Originalni naučni članak

The Author wishes to submit the Work to SJM for publication. To enable SJM to publish the Work and to give effect to the parties’ intention set forth herein, they have agreed to cede the first right to publication and republication in the SJM Journal.

 

Cession

 

The Author hereby cedes to SJM, who accepts the cession, to the copyright in and to the paper.

 

The purpose of the cession is to enable SJM to publish the Work, as first publisher world-wide, and for republication in the SJM Journal, and to grant the right to others to publish the Work world-wide, for so long as such copyright subsists;

 

SJM shall be entitled to edit the work before publication, as it deems fit, subject to the Authors approval

 

The Author warrants to SJM that:

 

- the Author is the owner of the copyright in the Work, whether as author or as reassigned from the Author’s employee and that the Author is entitled to cede the copyright to SJM;

 

- the paper (or any of its part) is not submitted or accepted for publication in any other Journal;

 

- the Work is an original work created by the Author;

 

- the Author has not transferred, ceded, or assigned the copyright, or any part thereof, to any third party; or granted any third party a licence or other right to the copyright, which may affect or detract from the rights granted to SJM in terms of this agreement.

 

The Author hereby indemnifies the SJM as a body and its individual members, to the fullest extent permitted in law, against all or any claims which may arise consequent to the warranties set forth.

 

No monetary consideration shall be payable by SJM to the Author for the cession, but SJM shall clearly identify the Author as having produced the Work and ensure that due recognition is given to the Author in any publication of the Work.

 

Should SJM, in its sole discretion, elect not to publish the Work within 1 year after the date of this agreement, the cession shall lapse and be of no further effect. In such event the copyright shall revert to the Author and SJM shall not publish the Work, or any part thereof, without the Author’s prior written consent.