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Acceptance of online banking information systems: an empirical case in a developing economy

This paper proposes an extended model of technology acceptance to understand potential users’ acceptance of online banking information systems (OBIS). The proposed model integrates key constructs from information systems and e-commerce acceptance research streams into the theoretical frame of the technology acceptance model. The model was tested on a sample of 353 Internet banking users in Pakistan. Using structural equation modelling with Analysis of Moment Structures software, data analysis showed considerable support for the extended hypothesised model. The results suggested that, in order of importance: perceived usefulness (PU), perceived ease of use (PEOU) and trust explained 45.7% of the variance in intended acceptance behaviour. Trust and technological self-efficacy (TSE) predicted 28.1% of the variance in PU. While in PEOU 21.8% of the variance was predicted by TSE, accessibility and terminology clarity. This study produced valuable insights into the factors that influence acceptance of OBIS by intended users and offers new ideas in understanding the acceptance of technology, especially in developing countries.