Inclusion of Perceived Risk with TAM in Measuring Attitude Toward online Banking

Abstract

Technology adaption is relatively a costly and has a low success rate in countries like Bangladesh. In 1989, Fred Davis suggested the technology acceptance model (TAM). It examines the mediating role of perceived ease of use and perceived usefulness in their relation between systems characteristics (external variables) and the probability of system use (an indicator of system success).In present study the researcher had concluded that TAM is a useful model, but has to be integrated into a broader one which would include more variables like perceived Risk to the adoption of the innovation model. The hypothesized model was validated empirically using a sample size of 389 users of online banking which reveals  that Attitude positively influences the intention to use Internet Banking  moreover, Perceived ease of use, Perceived usefulness positively influence the intention and attitude to use Internet Banking on the other hand perceived risk has a negative influence on both.

Keywords: TAM, Perceived Usefulness, Perceived Ease of Use, Perceived Risk ,Attitude.

DOI: 10.7176/EJBM/11-2-08