Journal of Advertising and Sales Management

Journal of Advertising and Sales Management

A Study on the Effect of Electronic Banking on the Behavioral Intentions of Consumers in Banking Industry

Document Type : Original Article

Authors
1 PhD in Business Management, Organizational Behavior and Human Resources Management, Qom University, Department of Business Management, Faculty of Economics and Management, Qom, Iran
2 PhD in Business Management, Department of Business Management, Islamic Azad University, Qom Branch, Qom, Iran
3 Master students, Business Management, Strategic Orientation, Qom University, Qom, Iran
Abstract
The objective of the current study was to examine the effect of electronic banking on the behavioral intentions of consumers in banking industry. The current study is practical in term of purpose and based on data collection, data analysis, descriptive research and the method of correlation. Statistical society of the current research included customers of branches of Pasargad Bank in the city of Qom who used the electronic banking services; the convenient sample selection from the targeted type was used for selecting the sample and 110 people were selected as sample. A questionnaire was used to collect data. To investigate means of data analysis including descriptive statistics and inferential statistics, structural equation modeling (using software PLS) was used. The results of analysis of the data showed that demand performance, ease of understanding, perceived risk and perceived usefulness of the use of electronic banking of Pasargad Bank influence on consumers' behavioral intention.
Keywords

Subjects


Agarwal, R. & Karahanna, E. (2000). “Time Flies When You’re Having Fun: Cognitive Absorption and Beliefs about Information Technology Usage. MIS Quarterly, 24(6):665-694.
Aladwani, A. M. (2001). Online banking: A field study of divers, development challenges, and expectations. International Journal of Information Management, 21(3), 213-225. Doi: 10.1016/So0268-40112(01)00011-1.
Al-Qeisi, Kh. & Hegazy, A. (2015). Consumer Online Behavior: A perspective on Internet Banking Usage in Three Non-Western Countries. Economics and Finance 23 ( 2015 ) 386 – 390
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50, 179-211.
Ajzen, I., & Albarracín, D. (2007). Predicting and changing behavior: A reasoned actionapproach. In I. Ajzen, D. Albarracín, & R. Hornik (Eds), Prediction and change of health behavior: Applying the reasoned action approach, pp. 3-21, Mahwah, New Jersey: Lawrence Erlbaum Associates.
Chen YH, Barnes S (2007). Initial trust and online buyer behavior. Ind. Manage. Data Syst., 107(1): 21 – 36.
Chiu, Y. B., Lin, C. P. & Tang, L. L. (2005). Gender Differs: Assessing Model of Online Purchase Intentions in e-tail Service. International Journal of Service Industry Management, 16(5): 35-416.
Curran, J.M., &Meuter, M.L. (2005). Self-service Technology Adoption: Comparing Three Technologies. [Electronic version]. The Journal of Services Marketing, 19(2):103- 114.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3):319-340.
Falk, R. and Miller,N., (1992). A Primer on Soft Modeling. (Ed). Akron: The University of Akron Press.
Fornell, C. and Larcker,D, (1981). Evaluating Structural Equation Models with Unobservable Variables and Measurement Error. Journal of Marketing Research, 18(1): 39–50.
Kock, N. (2012). Using WarpPLS in e-collaboration Studies: An Overview of Five Main Analysis Steps. International Journal of e-Collaboration, 6(4),1-11.
Koenig-Lewis, N., Palmer, A.;& Moll, A. (2010). Predicting Young Consumers Take Up of Mobile Banking Services. International Journal of Bank Marketing, 28(5):410-432.
Lee, Choong-Ki. Yoon, Yoo-Shik. Lee, Seung-Kon (2007). Investigating the Relationships among the Perceived Value, Satisfaction, and Recommendations: The Case of the Korean DMZ. Tourism Management. 28: 204–214
Lichtenstein, D. R. , Ridgway, N. M. and Netemeyer, R. G. (1993). Price Perceptions and Consumer Shopping Behavior: Field Study. Journal of Marketing Research, 30: 45-234.
Lu J, Yu C-S, Liu C-E, Yao, J. (2003). Technology Acceptance Model for wireless internet. ENAP, Vol. 13, No. 3, PP 56-72. www.ingentaconnect.com/enap
Mar che, S. &McNiven, J. D.((2003). E-Government and E-Governance: The Future Isn’t What It Used To Be. Canadian Journal of Administrative Science, 20(1):74-86.
Morris, M. G. & Dillon, A. (1997). How User Perceptions Influences Software Use. IEEE Software, 14(4):58-65.
Morris, M. G., Venkatesh, V., and Ackerman, P. L. (2005). Gender and Age Differences in Employee Decisions about New Technology: An Extension To the Theory of the Planned Behavior. IEEE Transactions on Engineering Management 52(1):69-84.
Nunnally, J.C., (1978). Psychometric Theory. New York: McGraw-Hill.
Nysveen, H., Pedersen, P. &Thornbjørnsen, H. (2005). Intentions of Using Mobile Services: Antecedents and Cross-Service Comparisons. Journal of Academy of Marketing Science. 33 (3):46-330.
Seyedi, S.M, ;Mousavi, S.A.; Heidari, S.(2009) Evaluation of Influencing Factors on thePerformance of Communication with Customer and Providing Appropriate and New Measurement Pattern (A Case Study in Electronics Industry). Journal of Educational Management Research, the second issue, winter 2009, p. 83.
Teo, T., & Tan, M.  (2000). Factors Influencing the Adoption of Internet Banking. Journal of the Association for Information Systems, 1(5):22-38.
Taylor, S., & Todd, P.(1995). Understanding Information Technology Usage: A Test of Competing Models. Information Systems Research, 62:144-176.
Venkatesh, V. & Davis, F. D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Journal of Management Science, 46(2):186 -204.
Venkatesh, V., Morris, M. G., Davis, G. B., Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27 (3):425-478.
Wang, YI., Wang, YU., Lin, H., Tang, T., (2003). Determinants of User Acceptance of Internet Banking: An Empirical Study. International Journal of Service Industry Management, 14(5):516.