Incorporating the Innovation Attributes Introduced by Rogers’Theory into Theory of Reasoned Action: An Examination of Internet Banking Adoption in Yemen

Ali Hussein Zolait · Ainin Sulaiman

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Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance Health, Technology, Consumer Behavior

Abstract

The causal/effect of seven salient beliefs and an individual’s attitude and norms, all of which lead to form a person’s Behavioural Intention (BI), are not well documented in the context of Internet Banking (IB). The attitudinal belief, represented by five innovation attributes, together with the normative belief, represented by two types of interaction channels, were extracted in accordance with Rogers’ (1995) and Ajzen’s (1991) theories and literature. The study proposes a conceptual framework of an individual’s behavioural intention determinants to adopt IB and tests it using a path analysis of the Ordinary Least Squares (OLS). The results support the argument that attitude, relative advantage/compatibility, observability, ease of use and mass media interaction are the key determinants of BI to use IB.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2019Diffusion of Innovations 1 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1980Understanding Attitudes and Predicting Social Behavior 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 1985From Intentions to Actions: A Theory of Planned Behavior 2003Diffusion of innovations.1991Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation

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