Perceived Usefulness, Perceived Trust And Ease Of Use In Adoption Of Online Banking Services

Abstract

All internet transactions, including online banking, need trust before they can be adopted and used. The trustworthiness of internet banking was examined by conducting a survey of commercial banks. This research made use of an expanded version of the Technology Acceptance Model (TAM). Analysis of the data was done using Partial Least Squares (PLS) based on the results of 200 customer surveys. People are more likely to use internet banking if they think it's helpful than if they think it's easy to use, a new study has shown. The influence of perceived usefulness on the desire to utilize online banking services is also partly mediated by the perception of trust. Adoption the results of this research to help policymakers and financial institutions improve the use of online banking services.