Application of Technology Acceptance Model (TAM) in M-Banking Adoption in Kenya
Application of Technology Acceptance Model (TAM) in M-Banking Adoption in Kenya
复制标题
技术接受模型 (TAM) 在肯尼亚移动银行采用中的应用
DOI：
--
复制
发表时间：
2012
影响因子：
--
通讯作者：
T. Waema
中科院分区：
文献类型：
--
作者：
Isaiah Lule;Tonny K. Omwansa;T. Waema
在肯尼亚，采用移动的商务技术的移动的电话越来越容易获得。类似地，许多金融机构和移动的电话服务提供商正在联合起来通过移动的电话向客户提供银行服务。然而，选择采用或使用这些技术的人数仍然相对较少。因此，有必要评估对这些技术的接受情况，以确定阻碍或促进接受这些技术的因素。本研究应用技术接受模型，以探讨肯尼亚采用移动银行的影响因素。该研究特别侧重于对肯尼亚移动银行应用程序MKesho的评估。研究者进行了问卷调查，收集数据，并将数据用SPSS 16进行编码。本研究以实证因子分析法分析资料，并以结构方程模式分析法验证研究模式。在分发给M-Kesho用户的450份问卷中，有395份被退回并得到验证。研究发现，感知易用性、感知可靠性、感知自我效能感和感知可信度对客户使用手机银行的态度有显著影响。数据分析的结果表明，上述因素对发展中国家使用移动银行的态度至关重要，从而有助于知识体系的建立。研究结果的意义为银行业提供了一个很好的基础，并为进一步的工作提供了实际的建议。
Mobile phones with Mobile Commerce technology are becoming more readily available in Kenya. Similarly many financial institutions and mobile phone service providers are teaming up to provide banking services to customers via the mobile phone. However the number of people who choose to adopt or use such technologies is still relatively low. Therefore there is need to assess the acceptance of such technologies to establish factors that hinder or promote their acceptance. This study applied Technology Acceptance Model to examine the factors that influence the adoption of M-banking in Kenya. The study specifically focused on the evaluation of MKesho, an M-banking application in Kenya. A survey was conducted to gather data which was coded in SPSS 16. Confirmatory Factor Analysis was used to analyze the data and Structural Equation Modeling using Analysis of Moment Structures was used to validate the research model. Out of a total of 450 questionnaires distributed to M-Kesho users, 395 were returned and validated. The analysis revealed that Perceived Ease of Use, Perceived Usefulness, Perceived Self Efficacy and Perceived Credibility significantly influenced customers‘ attitude towards usage of M-banking. The results of the data analysis contributes to the body of knowledge by demonstrating that the above factors are critical in attitude towards usage of M-banking in a developing country context. The implications of the results form a good basis for providing practical recommendations to the banking industry, and directions for further work.