Study on Online Banking Adoption and Its Predictors

The paper develops earlier work on the factors that influence user acceptance of online banking. Given that previous work has demonstrated this with the relatively weak explanatory power of simple and unitary dimension, the research brings together constructs including user satisfaction, performance expectancy, effort expectancy, social influence and self-efficacy to get a comprehensive understanding. This paper proposes an integrated model to analyze and predict user adoption. Moreover, the model considers various aspects of user satisfaction in regard to system quality, information quality and service quality of an information system (IS). On top of that, this paper provides an empirical test of the model. The results of data analysis are then presented. Finally, the paper concludes with a discussion of the corresponding managerial implications.