| Author | Chada Kunnarong |
| Call Number | AIT RSPR no.ICT-09-10 |
| Subject(s) | Internet banking--Thailand
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| Note | Submitted in partial fulfillment of the requirements for the degree of Master of Engineering in Information and Communication Technologies, School of Engineering and Technology |
| Publisher | Asian Institute of Technology |
| Series Statement | Research studies project report ; no. ICT-09-10 |
| Abstract | Internet banking is referred to as a system that provides many banking operations for serving the banking customers via the Internet. The Internet is a ubiquitous channel which connects the information technologies in the world together with security protections. This technology is still in its early stages and new for banking consumers. Internet banking systems are able to share the benefit value between banks and customers. This research’s purpose are to examine the related factors influencing the user acceptance in the Internet banking, especially customer trust, to develop a model of user acceptance in the context of Internet banking, and to examine the relationship o f factors of user acceptance in the Internet banking. The main factors influencing the user intention in the context of Internet banking are performance expectancy, effort expectancy, and social influence which are direct factors of usage intention and behavior in t he Unified Theory of Acceptance and Use of Technology (UTAUT) model. The research model is integrated the element of trust theory which are ability, benevolence, integrity, and trust perception as antecedents of performance expectancy. The elements of DeLone and McLean (D&M) IS success model are also added which are system quality, information quality, and service quality as antecedents of trust elements. In this research, the self-administered questionnaire is established for data collection. The samples are Thai people of studying age and working age who are over 15 years old and live in Bangkok and vicinity. In order to determine the behavioral intention, the questionnaire provides the question items which relate to the individual attitude on adopting the internet banking system and the influence of each factor in the proposed research model. The hypotheses are used for determining the relationship of factors in the research model. Service quality, system quality, and information quality influence the trust of an individual on benevolence, integrity, and ability of a service, respectively. These three elements of trust influence trust perception which afterwards influences performance expectancy. The behavioral intention of an individual is influenced by performance expectancy, effort expectancy, and social influence. With this result of this research, it helps bankers better understand the customer acceptance of Internet banking and know the influenced factors on acquiring new customers to use Internet banking and retaining the existing online customers. |
| Year | 2009 |
| Corresponding Series Added Entry | Asian Institute of Technology. Research studies project report ; no. ICT-09-10 |
| Type | Research Study Project Report (RSPR) |
| School | School of Engineering and Technology (SET) |
| Department | Department of Information and Communications Technologies (DICT) |
| Academic Program/FoS | Information and Communication Technology (ICT) |
| Chairperson(s) | Vatcharaporn Esichaikul; |
| Examination Committee(s) | Kovalainen, Mikko;Donyaprueth Krairit; |
| Scholarship Donor(s) | Royal Thai Government (RTG ); |
| Degree | Research Studies Project Report (M. Eng.) - Asian Institute of Technology, 2009 |