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Factors influencing on customer usage of online banking: from the perspective of technology acceptance and theory of reasoned action models

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dc.contributor.author Jegatheesparan, Krishnapillai
dc.contributor.author Rajeshwaran, Nadarajah
dc.date.accessioned 2021-03-23T04:41:37Z
dc.date.available 2021-03-23T04:41:37Z
dc.date.issued 2020
dc.identifier.citation SEUSL Journal of Marketing, Vol. 5, No. 2, 2020 pp. 57-69. en_US
dc.identifier.issn 25133071
dc.identifier.uri http://ir.lib.seu.ac.lk/handle/123456789/5414
dc.description.abstract This study aims to examine the factors influencing the customer usage of online banking of commercial banks in Batticaloa district. As per deduction approach, Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA) was used to carry out the study. Self-administered questionnaires were distributed among 180 online banking users to collect information. A quota sampling technique was performed in order to collect the data. The demographic variables were measured using descriptive statistics. Correlation and multiple regression analysis were applied to recognize the influencing factors on online banking. Results revealed that there was a strong positive correlation between usage of online banking and independent variables viz Usefulness, Ease of Use, Security, Compatibility and Information Quality. The findings of simple linear regression showed that the significant impact between online banking usage and independent variables such as Usefulness, Ease of use, Security, Compatibility and Information Quality. Multiple Regression Analysis revealed that the overall model applied is significantly good enough in predicting the usage of online banking. Further, results depicted out of five variables, Usefulness, Ease of use, Compatibility, and Information quality, were highly significant with the usage of online banking. However, security is not contributing much to the model. The model exhibited an adjusted R square value of 0.89, which shows around 89% of the variation of the dependent variable of online banking usage is explained by independent variables. The results concluded that the Usefulness was the best predictor of online banking usage of commercial banks in Batticaloa district, followed by Ease of use, Information Quality, and Compatibility. Findings help bank managers and system analysts, and customers for making better decisions. en_US
dc.language.iso en_US en_US
dc.publisher Faculty of Management & Commerce South Eastern University of Sri Lanka, Oluvil. en_US
dc.subject Online Banking en_US
dc.subject Technology Acceptance Model en_US
dc.subject Theory of Reasoned Action en_US
dc.title Factors influencing on customer usage of online banking: from the perspective of technology acceptance and theory of reasoned action models en_US
dc.type Article en_US


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