Abstract:
Singapore is known as the fastest growing telecommunications nation in Asia. Presently, all the members of theSingapore banking industry use the Information and Communication Technology as a platform for effective and efficient means of conducting their financial transactions. This paper focuses on determining the level of users’acceptance of the electronic banking services and investigating the factors that determine users’ behavioralintentions to use electronic banking systems in Singapore. The survey instrument employed involved design and administration of a total of 250 survey questionnaires within Singapore. An extended Technology Acceptance Model (TAM) was developed as a conceptual framework to analyze the factors influencing users’ acceptance and intention to use electronic banking. The model employed Perceived Credibility (PC) and Customer Attitude (CA) as extensions to the two constructs for TAM model: Perceived Usefulness (PU), Perceived Ease of Use (PEOU) to better reflects the users’ views
Machine summary:
Keywords: Technology Acceptance Model (TAM), Perceived credibility, E-banking, Perceived usefulness, Perceived ease of use, Perceived credibility, Customer attitude INTRODUCTION The advents of the Internet, electronic commerce, application communication technology and users’ response to this technology have opened opportunities for many businesses.
The impact of perceived usefulness (PU), perceived ease of use (PEOU), perceived credibility (PC) and customer attitude (CA) is sought to determine the level of users’ acceptance of the various e-banking services.
To test the identification model of the relationship between perceived usefulness (PU), perceived ease of use (PEOU), perceived credibility (PC), customer attitude (CA) and user acceptance of e-banking service Research Questions The theoretical contribution of the research is to be able to define the factors which affect a User’s perceptions about an e-commerce application.
3. Is there significant relationship between Perceived Credibility (PC), Customer Attitude (CA), Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) and user acceptance of E- banking services in Singapore?
Similarly, Chin and Gopal, (1995) affirmed that higher perceived ease to use internet will favourably influence the user acceptance of e-banking.
In particular, Guriting and Ndubisi (2006) found that perceived ease of use had a significant positive effect on user acceptance of e-banking.
this study developed perceived credibility as a new TAM factor to explain the user’s security, privacy and financial risk concerns in the user acceptance of e-banking using technology acceptance model (TAM) as a conceptual framework.
Hypothesis 2 H2: Perceived ease of use (PEOU) has a positive effect on user acceptance of e-banking.