E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?

Electronic banking as a financial supply chain system has gone a long way to revolutionize banking services as contemporary customers of banking organizations have largely moved from brick and mortal banking to digital platform. However, trust remains an important underlying factor that makes users...

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Main Authors: Salimon, Maruf Gbadebo, Mohd Mokhtar, Sany Sanuri, Yusr, Maha Mohammed
Format: Article
Language:English
Published: ExcelingTech Publishers 2020
Subjects:
Online Access:https://repo.uum.edu.my/id/eprint/26985/1/IJSCM%209%203%202020%20216%20226.pdf
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author Salimon, Maruf Gbadebo
Mohd Mokhtar, Sany Sanuri
Yusr, Maha Mohammed
author_facet Salimon, Maruf Gbadebo
Mohd Mokhtar, Sany Sanuri
Yusr, Maha Mohammed
author_sort Salimon, Maruf Gbadebo
collection UUM
description Electronic banking as a financial supply chain system has gone a long way to revolutionize banking services as contemporary customers of banking organizations have largely moved from brick and mortal banking to digital platform. However, trust remains an important underlying factor that makes users from developing countries to be wary of the way they adopt this novel technology banking system. The significant objective of this study therefore centres on how to improve trust using extended technology acceptance model (e-TAM) by incorporating perceived security and e-trust with perceived usefulness and perceived ease of use to predict adoption of e-banking. Previous studies have paid meagre attention to this area, especially in a developing context. The data of the study were collected from 266 customers while the responses obtained were analysed using Partial Least Square Structural Equation Modelling. The findings show that perceived usefulness and perceived ease use predicted e-trust and e-banking adoption. Perceived security also predicted e-banking adoption but failed to predict e-trust. E-trust mediates the relationship between perceived usefulness, perceived ease of use and e-banking adoption. However similar mediating effect was not found between perceived security and e-banking adoption. The implications of the study were presented.
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spelling uum-269852020-05-12T03:36:33Z https://repo.uum.edu.my/id/eprint/26985/ E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption? Salimon, Maruf Gbadebo Mohd Mokhtar, Sany Sanuri Yusr, Maha Mohammed HG Finance Electronic banking as a financial supply chain system has gone a long way to revolutionize banking services as contemporary customers of banking organizations have largely moved from brick and mortal banking to digital platform. However, trust remains an important underlying factor that makes users from developing countries to be wary of the way they adopt this novel technology banking system. The significant objective of this study therefore centres on how to improve trust using extended technology acceptance model (e-TAM) by incorporating perceived security and e-trust with perceived usefulness and perceived ease of use to predict adoption of e-banking. Previous studies have paid meagre attention to this area, especially in a developing context. The data of the study were collected from 266 customers while the responses obtained were analysed using Partial Least Square Structural Equation Modelling. The findings show that perceived usefulness and perceived ease use predicted e-trust and e-banking adoption. Perceived security also predicted e-banking adoption but failed to predict e-trust. E-trust mediates the relationship between perceived usefulness, perceived ease of use and e-banking adoption. However similar mediating effect was not found between perceived security and e-banking adoption. The implications of the study were presented. ExcelingTech Publishers 2020 Article PeerReviewed application/pdf en https://repo.uum.edu.my/id/eprint/26985/1/IJSCM%209%203%202020%20216%20226.pdf Salimon, Maruf Gbadebo and Mohd Mokhtar, Sany Sanuri and Yusr, Maha Mohammed (2020) E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption? International Journal of Supply Chain Management (IJSCM), 9 (2). pp. 216-226. ISSN 2050-7399 https://ojs.excelingtech.co.uk/index.php/IJSCM/article/view/4583
spellingShingle HG Finance
Salimon, Maruf Gbadebo
Mohd Mokhtar, Sany Sanuri
Yusr, Maha Mohammed
E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?
title E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?
title_full E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?
title_fullStr E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?
title_full_unstemmed E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?
title_short E-Banking as a financial supply chain system: can e-TAM improve trust and the rate of adoption?
title_sort e banking as a financial supply chain system can e tam improve trust and the rate of adoption
topic HG Finance
url https://repo.uum.edu.my/id/eprint/26985/1/IJSCM%209%203%202020%20216%20226.pdf
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