The DOI matches its Crossref record; 18 of the 18 references it cites were found in a registry or an index.
Explaining Internet Banking Behavior: Theory of Reasoned Action, Theory of Planned Behavior, or Technology Acceptance Model?
Abstract
A key objective of information technology (IT) research is to assess the value of technology for users and to understand the factors that determine this value in order to deploy IT resources better. This paper uses structural equation modeling to ascertain the extent to which 3 popular models of users' behavior—theory of reasoned action (TRA), theory of planned behavior (TPB), and technology acceptance model (TAM)—are predictive of consumers' behavior in the context of Internet banking. Unlike other tests of these models, this paper employs independent measures of actual behavior, as well as behavioral intention. The results indicate that TAM is superior to the other models and highlights the importance of trust in understanding Internet banking behavior.
Overview
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Integrity signals
Registry
Cites
Statistics
Verification
Claims the paper makes
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Self-check
Percentages, sums and reported differences re-computed from the paper’s own numbers.
The self-check needs the paper’s full text.
Citations
Cites
The theory of planned behavior
Ajzen, I. (1991) · Organizational Behavior and Human Decision Processes · doi:10.1016/0749-5978(91)90020-t · Cited by 90,587
Perceived usefulness, perceived ease of use, and user acceptance of information technology
Davis, F. D. (1989) · MIS Quarterly · doi:10.2307/249008 · Cited by 68,483
Structural equation modeling in practice: A review and recommended two-step approach
Anderson, J. C., & Gerbing, D. W. (1988) · Psychological Bulletin · doi:10.1037/0033-2909.103.3.411 · Cited by 41,941
Understanding information technology usage: a test of competing models
Taylor, S., & Todd, P. A. (1995) · Information Systems Research · doi:10.1287/isre.6.2.144 · Cited by 8,815
Prediction of goal-directed behavior: Attitudes, intentions, and perceived behavioral control
Ajzen, I., & Madden, T. J. (1986) · Journal of Experimental Social Psychology · doi:10.1016/0022-1031(86)90045-4 · Cited by 5,718
(2003) · International Journal of Electronic Commerce · doi:10.1080/10864415.2003.11044275 · Cited by 5,715
Mathieson, K. (1991) · Information Systems Research · doi:10.1287/isre.2.3.173 · Cited by 4,216
Building consumer trust online
Hoffman, D. L., Novak, T. P., & Peralta, M. (1999) · Communications of the ACM · doi:10.1145/299157.299175 · Cited by 2,132
A trust model for consumer Internet shopping
Lee, M. K. O., & Turban, E. (2001) · International Journal of Electronic Commerce · doi:10.1080/10864415.2001.11044227 · Cited by 2,012
Examining the technology acceptance model using physician acceptance of telemedicine technology
Hu, P. J., Chau, P. Y. K., Sheng, O. R. L., & Tam, K. Y. (1999) · Journal of Management Information Systems · doi:10.1080/07421222.1999.11518247 · Cited by 1,951
Cited by
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Algharabat, R. (2018) · Journal of Retailing and Consumer Services · doi:10.1016/j.jretconser.2017.08.026 · Cited by 576
Kesharwani, A., & Singh Bisht, S. (2012) · International Journal of Bank Marketing · doi:10.1108/02652321211236923 · Cited by 517
Tarhini, A., El-Masri, M., Ali, M., & Serrano, A. (2016) · Information Technology & People · doi:10.1108/itp-02-2014-0034 · Cited by 400
Theory of reasoned action application for green information technology acceptance
Mishra, D., Akman, I., & Mishra, A. (2014) · Computers in Human Behavior · doi:10.1016/j.chb.2014.03.030 · Cited by 275
Manser Payne, E. H., Peltier, J., & Barger, V. A. (2021) · Journal of Research in Interactive Marketing · doi:10.1108/jrim-10-2020-0214 · Cited by 269
Metadata
- Authors
- Yousafzai, S. Y., Foxall, G. R., & Pallister, J. G.
- Venue
- Journal of Applied Social Psychology
- Publisher
- Wiley
- Published
- 2010-05
- Volume
- 40
- Issue
- 5
- Pages
- 1172-1202
- ISSN
- 0021-9029 (ISSN-L)
- 1559-1816
- OpenAlex
- W1746336329
- Cited by
- 511
- References
- 18
- FWCI
- 41.03
- Type
- journal article
- Language
- en
- Open access
- closed
About these checks
Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.
Statistics and arithmetic are recomputed, not judged.
Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.
What counts as a claim ›How we measure confidence ›How we check this ›
Are you an author, or do you see a problem with this page? Request a review
How to cite
Cite CoChat for the checks on this page, and the paper for its own findings.
- This page
- CoChat. (2026). Citation check: Explaining Internet Banking Behavior: Theory of Reasoned Action, Theory of Planned Behavior, or Technology Acceptance Model? https://app.cochat.ai/papers/10.1111/j.1559-1816.2010.00615.x
- The paper
- Yousafzai, S. Y., Foxall, G. R., & Pallister, J. G. (2010). Explaining Internet Banking Behavior: Theory of Reasoned Action, Theory of Planned Behavior, or Technology Acceptance Model? Journal of Applied Social Psychology. https://doi.org/10.1111/j.1559-1816.2010.00615.x
Data sources
Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.
