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User acceptance of Online Banking Service in Australia

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Author(s): Paul H.P. Yeow | Yee Yen Yuen | David Yoon Kin Tong | Nena Lim

Journal: Communications of the IBIMA
ISSN 1943-7765

Volume: 1;
Issue: 22;
Start page: 191;
Date: 2008;
Original page

Keywords: Unified Theory of Acceptance and Use of Technology (UTAUT) | technology acceptance | online banking | performance expectancy | perceived credibility

ABSTRACT
The research investigates both positive and negative factors influencing user acceptance of online banking services (OBS) in Australia. A research framework was developed based on the Unified Theory of Acceptance and Use of Technology (UTAUT). One hundred and ninety respondents in Australia participated in a survey on their perceptions toward OBS. Results show that although respondents strongly believe that using OBS would benefit their daily life, many issues (such as security concerns and technology anxieties) reduce their self-efficacies. Recommendations were given to promote a safe, efficient and conducive environment for user adoption of online banking.
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