 Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk applicationCarolina Martins, Tiago Oliveira and Aleš Popovič International Journal of Information Management, 2014, vol. 34, issue 1, 1-13 Abstract: Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking. Keywords: Unified theory of acceptance and use of technology (UTAUT); Perceived risk; Information technology adoption; Internet banking (search for similar items in EconPapers) Downloads: (external link) Related works: Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text Persistent link: https://EconPapers.repec.org/RePEc:eee:ininma:v:34:y:2014:i:1:p:1-13 DOI: 10.1016/j.ijinfomgt.2013.06.002 Access Statistics for this article International Journal of Information Management is currently edited by Yogesh K. Dwivedi More articles in International Journal of Information Management from Elsevier |
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