Consumer acceptance of online banking: an extension of the technology acceptance model

2004/07/01 by Tero Pikkarainen, Kari Pikkarainen, Heikki Karjaluoto +1 · 4 citations
Decision Sciences · Social Sciences · Business, Management and Accounting · #Technology Adoption and User Behaviour #Digital Marketing and Social Media #Customer Service Quality and Loyalty #Technology acceptance model #Business #Sample (material) #Marketing #Electronic banking #Retail banking #Banking industry #Usability #The Internet #Accounting #Computer science #World Wide Web

paper · doi:10.1108/10662240410542652

openalex publication_date 2004/07/01 · openalex created_date 2025/10/10 · openalex updated_date 2026/08/05

Abstract

Advances in electronic banking technology have created novel ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services has been rapid in many parts of the world, and in the leading e‐banking countries the number of e‐banking contracts has exceeded 50 percent. Investigates online banking acceptance in the light of the traditional technology acceptance model (TAM), which is leveraged into the online environment. On the basis of a focus group interview with banking professionals, TAM literature and e‐banking studies, we develop a model indicating online‐banking acceptance among private banking customers in Finland. The model was tested with a survey sample ( n =268). The findings of the study indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing online‐banking acceptance.

Citations

• Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication
• Re-Examining Perceived Ease of Use and Usefulness: A Confirmatory Factor Analysis
• Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology
• Beyond Concern: Understanding Net Users' Attitudes About Online Privacy
• Extrinsic and Intrinsic Motivation to Use Computers in the Workplace1
• Understanding Information Technology Usage: A Test of Competing Models
• User Acceptance of Computer Technology: A Comparison of Two Theoretical Models
• A Meta-Analysis of Cronbach's Coefficient Alpha
• Information Systems Success: The Quest for the Dependent Variable
• The theory of planned behavior
• Computer Self-Efficacy: Development of a Measure and Initial Test
• A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies

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• Technology acceptance model [wikipedia]