This paper contributes to the electronic banking (e-banking) literature by applying\nthe modified Technology Acceptance Model (TAM) in an under-researched\nZambian context. Specifically, it examines the influence of e-banking\ntechnology�s perceived usefulness, perceived ease of use and trust (safety and\ncredibility) on e-banking adoption. Based on a quantitative correlational design,\nprimary sample data were collected from 222 bank customers from two\nof Zambia�s largest cities. The findings indicate that the modified TAM model\nis applicable in the Zambian context and that perceived usefulness, ease of use\nand trust each significantly positively influences attitude to e-banking. In turn\nattitudes to e-banking influence intention and actual adoption of e-banking\nservices. For scholars, practitioners and policy makers, the study shows that\nimproving perceptions of trust (safety, security and credibility), usefulness\nand ease of use of e-banking systems would result in increased adoption. This\npaper is the first to extend the modified TAM model into the under-researched\ndeveloping country context of e-banking in Zambia.
Loading....