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Top1. Introduction
The Internet has a profound influence on the banking industry. The adoption of internet by Banks can offer a new market such as internet banking services (henceforth IB). These new channels, the internet banking services, are considered now as a new important channel in addition to the traditional ones. The automated teller machine (ATM), Phone-banking, Telebanking, PC-banking among others are the most important IB services proposed by contemporary Banks (Daniel, 1999; Chang, 2003; “Online banking goes mainstream,” 2003).
The adoption of technology has led to greater productivity, profitability, and efficiency, faster service and customer satisfaction, convenience and flexibility, 24x7 operations, and space and cost savings. Banks’ decision makers have recognized the importance of the adoption of IB on reduction costs and banks performance and have tried to develop strategies in order to grow consumer internet banking demand. Thus, understanding factors affecting the adoption of internet banking in Tunisia seems an important task for Banks’ decision makers. This helps Banks to adopt a better marketing strategies to increase the use of IB in the Tunisia country.
This paper investigates the behavior intention of Tunisian banks’ customers to use the IB. We use the Theory of Acceptance Model (TAM) and the Theory of Planned Behavior (TPB)
in order to investigate the internet banking acceptance system. Seven constructs was used to identify factors that influence intention to adopt Internet banking in Tunisia: perceived use, perceived ease of use, subjective norm, perceived behavior control, security and privacy, and attitude. Security and privacy were selected as additional factor to the TAM and TPB constructs because of their important influence on the use internet banking system. To do that, we collect data from bank customers in Tunisia. Two hundred eighty four usable responses are considered and Equation Structural Model (SEM) is used to fit data to the basic proposed model.
The remainder of the paper is set out in four sections. First, we provide a literature review of earlier studies of factors influencing consumers’ use of IB and set the proposed hypothesis for this work. Then, we report the empirical methodology that was employed. Afterwards, we provide empirical findings and discuss results according to the conceptual framework of the TAM of internet banking. Finally, we conclude and suggest future research directions.