Factors influencing intention to use e-banking: An integrated model approach

Lorena Cakerri (), Migena Petanaj () and Robert Kosova ()

International Journal of Innovative Research and Scientific Studies, 2025, vol. 8, issue 1, 2346-2356

Abstract: The expansion of information technology presents significant challenges, making the development of technology-based banking services an inevitable trend in global economic integration. This study aims to develop and empirically evaluate a model to predict factors that influence customers’ behavioral intentions when utilizing electronic banking (e-banking) services. The proposed conceptual model is based on an expansion of the Unified Theory of Acceptance and Use of Technology (UTAUT) through the integration of two additional factors: assurance and customer support. Data were collected via an online questionnaire administered to 379 e-banking customers. Partial Least Squares Structural Equation Modeling (PLS-SEM) and Importance-Performance Map Analysis (IPMA) were employed to assess the effects of various factors on the adoption and use of e-banking services in Albania. The findings of this study indicate that assurance and customer support are the most significant determinants of e-banking customers’ continuance intention. Based on these findings, managers should prioritize electronic service quality, as it plays a substantial role in influencing the acceptance of e-banking.

Keywords: Customers; UTAUT; e-banking; Partial least squares structural equation modeling. (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:aac:ijirss:v:8:y:2025:i:1:p:2346-2356:id:4959

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