Personal and systemic factors affecting individuals’ procrastination on Internet banking adoption

Ghorbanizadeh, Vajhollah; Roudsaz, Habib; Mohammadi, Hossein

doi:10.22054/ims.2017.6995

Document Type : Research Paper

Authors

¹ Associate professor, Public Administration Department, Allameh Tabataba’i University, Tehran.

²  Associate professor, Public Administration Department, Allameh Tabataba’i University, Tehran.

³  Ph.D Student of Public Administration, Faculty of Management and Accounting, Allameh Tabataba’i University,Tehran.

https://doi.org/10.22054/ims.2017.6995

Abstract

While considering inhibitors, the purpose of this paper is to examine the moderating role of self-efficacy, perceived image, personal innovativeness, and subjective norm on Internet banking adoption in Tejarat bank of Iran as a public bank. Following IRAN’s 20-year outlook plan, putting IT’s inhibitors and facilitators into consideration come to be of high significance; especially in the scope of Internet banking. Based on the valid responses collected from a survey questionnaire out of Tejarat bank’s consumers of central-west district, structural equation modeling (SEM) technology was employed to examine the research model. The result indicated that perceived awareness and system compatibility offered by the bank are the main factors impeding users’ intention towards Internet banking adoption; while resistance to change indicated insignificant effect on users’ intention accompanied by perceived ease of use which showed no significant effect on users’ behavioral intention. At last, self-efficacy, perceived image, subjective norm, and personal innovativeness showed a meaningful significant effect on users’ adoption decision and moderated the relationship between users’ intention and their actual use.

Keywords

References

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Business Intelligence Management Studies

Personal and systemic factors affecting individuals’ procrastination on Internet banking adoption

References

References

Volume 5, Issue 18
April 2017
Pages 1-24

Personal and systemic factors affecting individuals’ procrastination on Internet banking adoption

References

References

Volume 5, Issue 18April 2017Pages 1-24

Volume 5, Issue 18
April 2017
Pages 1-24