Author, Subjects, Keywords

Cited Author

 
 
   » By Author or Editor
 » Browse Author by Alphabet
 » By Journal
 » By Subjects
 » Malaysian Journals
 » By Type
 » By Year
 » By Latest Additions
 
 
   » By Author
 » Top 20 Authors
 » Top 20 Article
 » Top Journal Cited
 » Top Article Cited
 » Journal Citation Statistics
 » Usage Since Sept 2007


 
 
 

Login | Create Account

An empirical investigation on consumer acceptance of Internet banking in an Islamic bank

Hanudin Amin, (2007) An empirical investigation on consumer acceptance of Internet banking in an Islamic bank. Labuan Bulletin of International Business and Finance, 5 . pp. 41-65. ISSN 1675-7262

[img]
Preview
PDF - Requires a PDF viewer such as GSview, Xpdf or Adobe Acrobat Reader
302Kb

Official URL: http://wwwkal.ums.edu.my/LBIBF/Articles/v5a3.pdf

Affiliations

Universiti Malaysia Sabah. Labuan. School of International Business and Finance

Abstract

The purpose of this study is to investigate the determinants that influence Internet banking acceptance among the Islamic bank’s customers. Technology acceptance model (TAM) is utilised as a point of departure. In this study, perceived credibility, amount of information on Internet banking, perceived enjoyment, and social norm are added to the model, in addition to perceived usefulness, perceived ease of use.
More importantly, the estimated linear regression model suggests that perceived credibility and social norm are significant determinants of Internet banking acceptance among Muslims. In contrast, the estimated linear regression model suggests that perceived usefulness, perceived ease of use, perceived enjoyment and social norm are significant
determinants of Internet banking acceptance among non-Muslims.
Taken as a whole, the estimated linear regression model suggests that
perceived credibility and social norm are significant determinants of
Internet banking acceptance among the bank’s customers. Overall, the
results of this study are valuable to both researchers and practitioners in
providing new insights about the Internet banking from Islamic banking
institution point of view.
JEL Classifications: M15; c42; C52

Item Type:Journal
Keywords:Islamic bank; Internet banking; Technology acceptance model (TAM); Being Islam or not.
Subjects:H Social Sciences, Economics, Sociology
ID Code:5855

1. Adams, D. A., Nelson, R. R. and Todd, P. A. (1992) Perceived usefulness, ease of use, and usage of information technology: A replication. MIS Quarterly, 16(2), 227 – 247.

2. Alter, S. (2002) Information System: The Foundation of e-business. New Jersey: Prentice Hall.

3. Chiu, Y.N., Lin, C.P. and Tang, L.L.(2005) Gender differs: assessing a model of online purchase intentions in e-tail service. International Journal of Service Industry Management, 16(6), 416 – 435.

4. Cheong, J.H. and Park, M.C. (2005) Mobile internet acceptance in Korea. Internet Research, 15(2), 125 – 140.

5. Davis, F. D., Bagozzi, R. P. and Warshaw, P. R. (1989) User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35 (8), 982-1003.

6. Davis, F.D., Bagozzi, R.P. and Warshaw, P.R. (1992) Extrinsic and intrinsic motivation to use computers in the workplace. Journal of Applied Social Psychology, 22(14), 1111 – 1132.

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

8. Eriksson, K., Kerem, K. and Nilsson, D. (2005) Customer acceptance of internet banking in Estonia. International Journal of Bank Marketing, 23(2), 200 – 216.

9. Fishbein, M. and Ajzen, I. (1975) Belief, Attitude, Intention and Behavior. Reading: Addison-Wesley.

10. Guriting, P. and Ndubisi, N.O. (2006) Borneo online banking: Evaluating customer perceptions and behavioural intention. Management Research News, 29(1/2), 6 – 15.

11. Hair, J.F. Jr, Anderson, R.E., Tatham, R.L. and Black, W.C. (1998) Multivariate Data Analysis, 5th Edition. New Jersey: Prentice Hall.

12. Howcroft, B., Hamilton, R. and Hewer, P. (2002) Consumer attitude and the usage and adoption of home-based banking in the United Kingdom. International Journal of Bank Marketing, 20(3), 111 – 121.

13. Igbaria, M., Livari,.J. and Maragahh, H.(1995) Why do individuals use computer technology? A Finnish case study. Information & Management, 29, 227 – 238.

14. Liu, S.H., Liao, H.L. and Peng, C.J.(2005) Applying the technology acceptance model and flow theory to online e-learning users’ acceptance behavior, Issues in Information Systems, 4(2), 175 – 181.

15. Mahmod, R., Dahlan, N., Ramayah, T., Karia, N. and Asaari, M.H.A.H.(2005) Attitudinal Belief on Adoption of E-MBA Program in Malaysia. Turkish Online Journal of Distance

Education-TOJDE, 6(2), 1 – 10.

16. Nually, J.C. (1978), Psychometric Theory. New York: McGraw-Hill.

17. Ndubisi, N.O. and Sinti, Q. (2006) Consumer attitudes, system’s characteristics and internet banking adoption in Malaysia. Management Research News, 29 (1/2), 16 – 27.

18. Ndubisi, N.O., Jantan, M. and Richardson, S. (2001) Is the technology acceptance model valid for entrepreneurs? Model testing and examining usage determinants. Asian Academy of Management Journal, 6 (2), 31 – 54.

19. Nunnally, J.C. (1978) Psychometric Theory. New York: McGraw-Hill.

20. Nysveen, H., Pedersen, P.E. and Thorbjornsen, H. (2005) Explaining intention to use mobile chat services: moderating effects of gender. Journal of Consumer Marketing, 33(5), 247 – 256.

21. Peterson, R.A. (1994) A meta-analysis of Cronbach’s coefficient alpha. Journal of Consumer Research, 21, 381 – 91.

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

23. Polatoglu, V.N. and Ekin, S.(2001) An empirical investigation of the Turkish consumers’ acceptance of Internet banking services. International Journal of Bank Marketing, 19(4), 156 – 165.

24. Sathye, M. (1999) Adoption of Internet banking by Australian consumers: an empirical investigation. International Journal of Bank Marketing, 17(7), 324 – 334.

25. Shimp, T.A. and A. Kavas. (1984) The Theory of Reasoned Action Applied to Coupon Usage. Journal of Consumer Research, 11(3), 795 – 809.

26. Sivanand, C.N.,Geeta, M. and Suleep. (2004) Barriers to Mobile Internet Banking services adoption: an empirical study in Klang Valley of Malaysia. The Internet Business Review, 1, 1 – 17. Available at: http://www.arraydev.com/commerce/jibc/0103_01.[Accessed on: September 20, 2005].

27. Suganthi, B. and Balachandran, G. (2001) Internet banking patronage: An empirical investigation of Malaysia. Journal of Internet Banking and Commerce, 6 (1). May 2001. Available at: http://www.arraydev.com/commerce/jibc/0103_01. [Accessed on September 20, 2005].

28. Tasir, Z. and Abu, M.S. (2003) Analisis Data Berkomputer SPSS 11.5 for Window. Kuala Lumpur: Venton Publishing.

29. Teo, T.S.H., Lim, V.K.G. and Lai, R.Y.C.(1999) Intrinsic and extrinsic motivation in internet usage. Omega International Journal of Management Science, 27, 25 – 37.

30. Venkatesh, V. (2000) Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model. Information System research, 11(4), 342 – 365.

31. Venkatesh, V. and Morris, M.G. (2000) Why don’t men ever stop to ask for directions: gender, social influence and their role in technology acceptance and usage behaviour. MIS Quarterly, 24(1),115 – 139.

32. Vijayan, P. and Shanmugam, B. (2003) Service quality evaluation of Internet banking in Malaysia. Journal of Internet Banking and Commerce, 8(1). Available at:

http://www.arraydev.com/commerce/jibc/0306-06.htm.[Accessed on: September 20, 2005].

33. Wang, Y.S., Wang, Y.M., Lin, H.H. and Tang, T.I.(2003) Determinants of user acceptance of Internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501 – 519.

Repository Staff Only: item control page
 
 
 
 
 
 
© Copyright 2007 MyAIS Faculty of Computer Science and Information Technology, University of Malaya – All Rights Reserved. Malaysian Abstracting and Indexing System is powered by EPrints 3 which is developed by the School of Electronics and Computer Science at the University of Southampton. More information and software credits.