Hrvatsko društvo ekonomista

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December 2023. ::: Vol.74 No. 06

    Granit Baca
    Artan Hajdini
    Shaqir Elezaj

ADOPTION OF ELECTRONIC BANKING: AN EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL (TAM) https://doi.org/10.32910/ep.74.6.2 Izvorni znanstveni članak This study aims to investigate the factors influencing behavioral intention to use e-banking services as well as the impact of awareness as an external variable on the technology acceptance model (TAM). The study is based on original information gathered from 206 respondents who live throughout Kosovo. Confirmatory Factor Analysis and Structural Equation Model were employed in the analysis, which was conducted using AMOS statistical software. As a result, it was found that customers of banking institutions are not sufficiently aware of the usefulness of e-banking services and the opportunities offered. Perceived ease of use, perceived usefulness, and attitude seem to influence the intention to use e-banking. Attitude was found as a major predictor of the intention to use. Various marketing campaigns from financial institutions should focus on educating people about the advantages of using e-banking, such as time savings, lower transaction costs, up-to-date customers, and other information. Likewise, to create other benefits for e-banking services, only then will consumers have positive attitudes and intentions to use these services. TAM; Awareness; E-Banking; Kosovo Puni tekst: engleski, pdf (451 KB)

ADOPTION OF ELECTRONIC BANKING: AN EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL (TAM)

https://doi.org/10.32910/ep.74.6.2

Izvorni znanstveni članak

This study aims to investigate the factors influencing behavioral intention to use e-banking services as well as the impact of awareness as an external variable on the technology acceptance model (TAM). The study is based on original information gathered from 206 respondents who live throughout Kosovo. Confirmatory Factor Analysis and Structural Equation Model were employed in the analysis, which was conducted using AMOS statistical software. As a result, it was found that customers of banking institutions are not sufficiently aware of the usefulness of e-banking services and the opportunities offered. Perceived ease of use, perceived usefulness, and attitude seem to influence the intention to use e-banking. Attitude was found as a major predictor of the intention to use. Various marketing campaigns from financial institutions should focus on educating people about the advantages of using e-banking, such as time savings, lower transaction costs, up-to-date customers, and other information. Likewise, to create other benefits for e-banking services, only then will consumers have positive attitudes and intentions to use these services.

TAM; Awareness; E-Banking; Kosovo

Puni tekst: engleski, pdf (451 KB)