Adopting the technology acceptance model: A Namibian perspective

Abstract

Background: The adoption of online banking is still a concern in developing countries, with limited research in investigating the factors that can lead to the intention to use and the actual usage of online banking. Objectives: This research aims to broaden the knowledge about technology adoption by applying the technology acceptance model (TAM) to the online banking environment in Namibia. Methods: A descriptive, quantitative research design and structural equation modelling (SEM) were employed to analyse the data. Results: The adopted TAM had good model fit if applied to online banking in Namibia. Nine of the 12 hypotheses were accepted. Conclusion: System quality and social influence act as external factors that influence the level of trust, perceived ease of use and perceived usefulness. High levels of ease of use and usefulness of the online banking system result in a positive attitude towards the online banking system that in turn leads to the intention to use the system and then actual usage. Contribution: This study adopted the TAM and included social influence, system quality and perceived trust as factors that can influence the usage of online banking. The study contributed towards the knowledge of technology acceptance from an online banking perspective and can aid the banking sector in increasing the adoption of online banking systems.

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