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Cited by 1,716Technology Adoption and User BehaviourHealth, Technology, Consumer BehaviorFinTech, Crowdfunding, Digital Finance

Factors Influencing the Adoption of Internet Banking

Open access
National University of Singapore, Tan, Margaret, Teo, Thompson, National University of Singapore·2000·Journal of the Association for Information Systems
DOI 10.17705/1jais.00005
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Abstract

A research framework based on the theory of planned behavior (Ajzen 1985) and the diffusion of innovations theory (Rogers 1983) was used to identify the attitudinal, social and perceived behavioral control factors that would influence the adoption of Internet banking. An online questionnaire was designed on the World Wide Web (WWW). Respondents participated through extensive personalized e-mail invitations as well as postings to newsgroups and hyperlinks from selected Web sites. The results revealed that attitudinal and perceived behavioral control factors, rather than social influence, play a significant role in influencing the intention to adopt Internet banking. In particular, perceptions of relative advantage, compatibility, trialability, and risk toward using the Internet were found to influence intentions to adopt Internet banking services. In addition, confidence in using such services as well as perception of government support for electronic commerce were also found to influence intentions. The implications of the study are discussed and suggestions for future research presented.

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  • Empirical research about the relation of government support to e-banking acceptance is limited to a few studies of Asian countries.

    “Empirical research about the relation of government support to e-banking acceptance is limited to a few studies of Asian countries (Chong et al., 2010;Tan & Teo, 2000).”

    From E-banking in Colombia: factors favouring its acceptance, online trust and government support (2018) · cites this paper as Tan & Teo, 2000

    The Research Design and Findings and Analysis sections establish that this is an empirical study of internet banking adoption in Singapore and that it examined government support. The Internet Banking in Singapore section says few earlier studies addressed consumer acceptance, but our copy does not establish that research specifically on government support was limited to a few studies of Asian countries. (LLM, conf=0.86)

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Cited by

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Authors
National University of Singapore, Tan, M., Teo, T., & National University of Singapore
Affiliations
National University of Singapore (SG)
ORCID
Teo, Thompson
Venue
Journal of the Association for Information Systems
Publisher
Association for Information Systems
Published
2000-07
Volume
1
Issue
1
Pages
1-44
ISSN
1536-9323 (ISSN-L)
DOI
10.17705/1jais.00005
OpenAlex
W1571167924
Cited by
1,716
References
4
Citations by year
2026: 22 · 2025: 34 · 2024: 56 · 2023: 94 · 2022: 85 · 2021: 86 · 2020: 81 · 2019: 71 · 2018: 69 · 2017: 90 · 2016: 81 · 2015: 101 · 2014: 123 · 2013: 116 · 2012: 118
FWCI
44.20
Type
journal article
Language
en
Open access
Locations
  • Journal of the Association for Information Systems (publishedVersion)
  • National University of Singapore (submittedVersion)
  • DiVA (Luleå University of Technology) (submittedVersion, other-oa)
  • Journal of the Association for Information Systems (submittedVersion)
Topics
  • Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
  • Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
  • Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
Keywords
internet banking, technology adoption, theory of planned behavior, diffusion of innovations, adoption intention, relative advantage, compatibility, trialability, risk perception, social influence, perceived behavioral control, user confidence

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