As technology acceptance model (TAM) is mainly of two system features of perceived usefulness (PU) and perceived ease of use (PEUO) (Davis,1989) it is incomplete in the context of online banking services. Perceived usefulness is defined as the degree to which a person believes that using a particular system will enhance users performance, while the perceived ease of use is defined as the extent to which a person believes that using a particular system is free of effort. The TAM has been evaluated to be not only a powerful and parsimonious model for representing the determinants of system usage but also a valuable tool for system planning, since the system designers have some degree of control over easiness and usefulness (Taylor & Todd,1995). A significant
Moon and Kin (2001) extended the Technology Acceptance Model to explain the users’ acceptance of World-Wide-Web context. Lin et al. (2007) extended Technology Acceptance Model to clarity the e-stock users’ behavioral intention. Chen and Chen (2009) re-examined the Technology Acceptance Model to understand the automotive telematics users’ usage intention. Stern et al.
The goal of TAM is to evaluate information systems acceptance by users before the actual system implementation. The central idea behind it is to increase the use of IT by promoting its acceptance. The acceptance can only be promoted if the factors that influence it are known; this can be done by examining the perception of the users concerning the use of the technology (Davis, Bagozzi, & Warshaw, 1989; Holden & Karsh, 2010; Chuttur, 2009). Initially TAM was developed with the objective of having a theoretical model that will be used to assess the effect of system characteristics on acceptance of computer-based information systems by users, and also explore the acceptance processes in order to have better information system (Davis, 1985). As the model suggested, the individual 's attitude toward using a particular system is a main factor that determines actual use of the system.
A. Technology Acceptance Model (TAM) The Technology Acceptance Model is believed as a very useful model for research in field of consumer’s level of acceptance of information technology, as it quoted by Davis et al (1986), “Acceptance of technology can be predicted by attitude and behavior usage of customer”. Kuo and Yen (2009: 104) viewed that TAM is: “Intended to provide a conceptual model featuring a theoretic foundation and parsimony, to explain and predict the behavioral intention and practical behaviors of information technology users, based on the acceptance and use of information technology.” In this model of technology acceptance, or TAM, the concepts measure the perceived ease of use and perceived usefulness as an individual belief toward using technology. These two beliefs are believed influenced by external variables, such as social factors, cultural factors, and political factors. However, despite the external variables that affecting these two beliefs, Technology Acceptance Model has been used multitudinous time by researchers thus it considered as one of the most influential theories in a study field of IS (Information System) that also considered as the most influential extension of theory of reasoned action, and it is included with the variables that TAM brings.
2. Affective routes: An affectively based attitude is based more on people’s feelings and values than on their beliefs about the nature of an attitude object. The function of attitudes based on values and feelings is not so much to paint an accurate picture of the world as to express and validate one’s basic value system. 3. Behavioural routes: A behaviorally based attitude is based on people’s observations of their behaviour toward an object.
It was argued that high levels of perceived usefulness and ease of use counteract the influence of a negative attitude towards a technology, especially in the work context. Technology Acceptance Model (TAM) is considered one of the most influential and most widely used by researchers to describe the acceptance of a particular technology by individuals, studying the influence of human factors in the adoption of new technologies (Dillon & Morris, 1996; Lee, Kozar & Larsen, 2003; Silva,
The focus was to find out the extent to which attributes such as observability, complexity, testability, compatibility as well as relative advantage affected the attitude and in the long run intention to use ATM by customers. From the study, it is revealed, all the attributes significantly influenced the use of Automated Teller Machine. In order of intensity, observability was the first variable that influenced the diffusion of the ATM in Jos, Nigeria. This can be attributed to the fact that people tend to demand the use of ATM when they visibly see others benefited from its usage. Next is compatibility which can be attributed to the fact that, customers demand the use of ATM when they notice it fits into their local values and customs.
In this case, information society is issue that society and technology factors are interrelated to each other, where in order to eliminate the dilemma of “technology society” dichotomy, non-human actor suggested by the ANT is needed to be introduced. And in the regarding research, the use of cellphone by migrant workers are proof of the effectiveness of
We have to look at technology as a mere stake in this modern society wherein computer is considered as stipulation and everyone should be literate and knowledgeable enough to manipulate the use of technology like computer the hardware and software. Technology plays a very important role in education. According to philosophy, reality is relative and subject to change, indeed, any form of business constantly changes. To put this statement into perspective, think of the technology that exists now that did not exist when you were 10 years old or more. The ability to adopt change and embracing technology guarantee a good educational outcome.
TRA also states that people regularly consider the consequences of their behaviors before engaging these behaviors. There are three concepts of TRA: behavioral intention, attitude, and subjective norms. In this model, a behavioral intention serves as the person’s attitude towards the behavior and subjective norms. Subjective norms are the perceived expectations of the individuals such as significant others, family members, experts, and co-workers. Voluntary behavior is predicted by one’s attitude toward the behavior and what important people would think if the behavior was not performed.