Izvorni znanstveni članak
https://doi.org/10.1080/1331677X.2021.1945477
Online banking adoption in Spanish cities and towns. Finding differences through TAM application
Gema Albort-Morant
Carlos Sanchís-Pedregosa
Jazmin R. Paredes Paredes
Sažetak
This study aims to explore the differing online banking adoption
in Spanish cities and towns through Technology Acceptance
Model (TAM). This paper is the first to unveil such differences
between cities and towns. Data was collected from the Centre for
Sociological Research and analyzed with PLS-SEM through
SmartPLS. The analyzed model comprised perceived ease of use
(PEOU), perceived usefulness (PU), and online banking use behaviour (UB) as variables directly associated. Perceived security (PS)
was included as a mediator of the effects in UB. Multi-group analysis (MGA) and Importance-Performance Map Analysis (IPMA)
were implemented. Most of the hypothesised direct and indirect
effects were statistically significant and found support for both
cities’ and towns’ populations. PEOU did not present a statistically
significant influence over PS. The direct effects expected were
found to be different in cities and towns, although differences
were minimal. The study makes an outstanding contribution
regarding the banking sector’s social responsibility, which may be
further studied to mirror inclusive practices. It also corroborates
the importance of PS as a mediator that influences online banking services use.
Ključne riječi
Online banking; TAM; use behaviour; perceived security; Spain; PLS-SEM
Hrčak ID:
302024
URI
Datum izdavanja:
31.3.2023.
Posjeta: 416 *