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Topics: Bank, Online banking, Banking Pages: 95 (19918 words) Published: June 19, 2013
M A S T E R ' ST H E S I S
2008:099

Factors Influencing the Adoption of Internet Banking

Sara Naimi Baraghani

Luleå University of Technology

Master Thesis, Continuation Courses
Marketing and e-commerce
Department of Business Administration and Social Sciences Division of Industrial marketing and e-commerce

2008:099 - ISSN: 1653-0187 - ISRN: LTU-PB-EX--08/099--SE MASTER’S THESIS

Factors Influencing the Adoption of Internet
Banking

Supervisors:
Dr. Seyed Hessameddin Zegordi
Dr. Mohammed Khalifa

Prepared by:
Sara Naimi Baraghani
836831026

Tarbiat Modares University Faculty of Engineering Department of Industrial Engineering

Lulea University of Technology
Division of Industrial Marketing and E–Commerce

Joint MSc PROGRAM IN MARKETING AND ELECTRONIC COMMERCE

[pic]

2007
Abstract

This thesis reports the findings of a study issues concerning the adoption of internet banking in Iran. This study investigates costumers’ adoption within the context of Iran Internet Banking services and research framework is based on the extension of Technology Acceptance Model with Theory of Planned behavior and Trust.

Theory was developed to identify factors that would influence the adoption of Internet banking. The framework includes Attitude, subjective norm, Perceived behavioral control, Perceived usefulness, Perceived ease of use, Trust and intention constructs. Survey was conducted to gather the data. Partial Least Square was used to examine the entire pattern of inter-correlations among the thirteen proposed constructs and to test related propositions empirically. Results show that Attitude, Perceived behavioral control, Perceived usefulness, Perceived ease of use, Trust significantly influencecustomers’intentiontowardadoptingInternetbanking.Theoretical contributions and practical implications of the findings are discussed and suggestions for future research are presented.

Keywords: Electronic Banking (Ebanking), Internet Banking, Information Technology

(IT), Technology Adoption, Trust

1
Acknowledgement

I wish to express my deepest appreciation and gratitude to all the people that have contributed to the completion of this dissertation.

I had a great fortune to study under supervision of Dr. Kalifa and Dr. Zegordi and I am very grateful for their guidance and encouragement .Their profound knowledge provided me with opportunity to broaden my knowledge and to make significant progress.

Last but not least, special thanks also to my family for their ever-present love and support. Without them none of this would ever have happened. I hereby dedicate this piece of work to my beloved parents and brother.

January 2007

Sara Naimi

2
Table of Contents

Abstract ...................................................................................................................... 1

Acknowledgement ..................................................................................................... 2

List of Tables ............................................................................................................. 8

List of Figures...

References: Table 2-1 Delivery platforms for electronic banking. Source: Adapted from
Daniel, 1999 and Karjaluoto, 2003 ..................................................................................
Table 3-1 Quantitative vs. Qualitative research. Source: Chisnal, 1997 .............. 61
Table 3-2 Relevant situation for different research strategies
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