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E-ISSN : 2288-2766

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Vol.9 No.4
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Study of Determinants of Behavior Intention in Online Banking of Bangladesh

Study of Determinants of Behavior Intension in Online Banking of Bangladesh

동아시아경상학회지 / East Asian Journal of Business Economics, (E)2288-2766
2021, v.9 no.4, pp.113-129
https://doi.org/10.20498/eajbe.2021.9.4.113
Sumaiya AKTER (충남대학교 경영학부)
장서연 (충남대학교 경영학부)
김태중 (충남대학교)
Sumaiya, A. , 장서연, & 김태중. (2021). Study of Determinants of Behavior Intention in Online Banking of Bangladesh. 동아시아경상학회지, 9(4), 113-129, https://doi.org/10.20498/eajbe.2021.9.4.113
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Abstract

One of the key issues in this situation is what drives individual customers to accept online banking services. This study was based on the TAM and the trust of Bangladeshi and Koreans in social impact, privacy and security, compatibility, ease of use, and usefulness. The purpose of this study is to investigate how these variables affect the acceptance of online banking. Research design, data, and methodology – In this study, an Internet survey was conducted for individuals who had experience in using the online banking system, and those who had no experience in using the online banking system were excluded from the analysis. The questionnaire was distributed to Bangladesh and Koreans, respectively, and data were collected, and the collected data was analyzed using SPSS 26 and AMOS to create an integrated model. Result – As a result of the analysis, it was found that trust is the variable that has the greatest influence on the acceptance of online banking. Social influence and perceived convenience of use were found to have a significant effect on Koreans' acceptance of online banking, and perceived usefulness was found to have a significant effect on Bangladeshi's acceptance of online banking. It was also found that compatibility, privacy and security were important predictors in both countries. Conclusion – The findings of this study support the primary TAM-related hypotheses. This indicates that the TAM model is fully applicable to explain the individual's acceptance of Online Banking Services in Bangladesh. In the context of this study, perceived ease of use found to be significant predictor of Trust. Evidently, the current conclusions provide empirical evidence that customers would be more willing to adopt Online Banking services if they find it useful and reliable. Also, there is a highly significant positive correlation between trust and perceived usefulness, suggesting that consumers who realize that Online Banking is Privacy and Security also perceive it to be safe and useful. Therefore, it is extremely necessary to understand how these key constructs can be enhanced in the minds of consumers in order to improve positively their perceptions towards the adoption process of Online Banking services.

keywords
TAM, Online Banking, Internet Banking, bkash, Bangladesh

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