Consumer acceptance of online banking: an extension of the technology acceptance model
Abstract
Advances in electronic banking technology have created novel ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services has been rapid in many parts of the world, and in the leading e‐banking countries the number of e‐banking contracts has exceeded 50 percent. Investigates online banking acceptance in the light of the traditional technology acceptance model (TAM), which is leveraged into the online environment. On the basis of a focus group interview with banking professionals, TAM literature and e‐banking studies, we develop a model indicating online‐banking acceptance among private banking customers in Finland. The model was tested with a survey sample (n=268). The findings of the study indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing online‐banking acceptance.
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In many emerging markets, concerns over fraud, identity theft, and the security of online transactions significantly undermine consumers' willingness to adopt e-banking services.
“In many emerging markets, concerns over fraud, identity theft, and the security of online transactions significantly undermine consumers' willingness to adopt e-banking services (Pikkarainen et al., 2004).”
From The mediating effect of digital literacy on trust and e-banking adoption in emerging markets (2024) · cites this paper as Pikkarainen et al., 2004
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The mediating effect of digital literacy on trust and e-banking adoption in emerging markets
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- Authors
- Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S.
- Affiliations
- University of Oulu (FI)
- ORCID
- Karjaluoto, Heikki
- Venue
- Internet Research
- Publisher
- Emerald
- Published
- 2004-07-01
- Volume
- 14
- Issue
- 3
- Pages
- 224-235
- ISSN
- 1066-2243 (ISSN-L)
- OpenAlex
- W2069861487
- Cited by
- 1,772
- References
- 4
- Citations by year
- 2026: 23 · 2025: 52 · 2024: 79 · 2023: 110 · 2022: 109 · 2021: 147 · 2020: 99 · 2019: 103 · 2018: 88 · 2017: 95 · 2016: 81 · 2015: 137 · 2014: 129 · 2013: 132 · 2012: 110
- FWCI
- 29.14
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- Internet Research (publishedVersion)
- Topics
- Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
- Social Sciences › Business, Management and Accounting › Organizational Behavior and Human Resource Management › Customer Service Quality and Loyalty
- Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
- Keywords
- internet banking, technology acceptance model, consumer acceptance, perceived usefulness, bank employees, Finland
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