Adoption and commitment to online banking in Pakistan using the technology acceptance model
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Author(s)Usman Muhammad NooruddinLink to ORCID Index: https://orcid.org/0000-0001-8512-2290
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Muhammad Sufyan RamishLink to ORCID Index: https://orcid.org/0000-0001-6181-1649
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Naureen MunirLink to ORCID Index: https://orcid.org/0000-0003-3948-1940
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Shiraz AhmedLink to ORCID Index: https://orcid.org/0000-0002-5417-1345
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Junaid AnsariLink to ORCID Index: https://orcid.org/0000-0003-1603-7038
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DOIhttp://dx.doi.org/10.21511/bbs.17(4).2022.13
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Article InfoVolume 17 2022, Issue #4, pp. 154-166
- 434 Views
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138 Downloads
This work is licensed under a
Creative Commons Attribution 4.0 International License
The paper proposes a model for quantitatively analyzing the link between Privacy, Usability, Government Support, Perceived Ease of Use, Perceived Usefulness, Intention to Use and Commitment in the online banking context in Pakistan. In Pakistan (comparing to the size of bank accounts open), few people benefit from online banking and prefer the physical approach. This study analyzes how conventional banking users can be converted to online users, thus reducing the crowds at banks for menial tasks, giving banks more time to focus on corporate clients. For this purpose, an online survey was distributed via social messengers and websites. Out of the collected data, 310 normalized samples were analyzed using correlation and multiple linear regressions. The findings showed that except “Privacy”, “Usability” and “Government Support” had a relationship with “Perceived Ease of Use” where “Privacy” showed no significant impact. “Privacy” had a significant relationship with “Perceived Usefulness”, as did “Perceived Ease of Use”, and “Perceived Usefulness” and “Perceived Ease of Use” had a significant relationship with “Intention to Use”; “Intention” also had a significant relationship with “Commitment to Use Online Banking”. Thus, it is concluded that banks need to realize that bank customers require ease of access and use in order to successfully adapt to the use of online banking, despite the users not being very cautious about online privacy that banks require to ensure on their end, regardless of the user’s thought process.
- Keywords
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JEL Classification (Paper profile tab)M10, M15, M30, G2
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References67
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Tables8
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Figures1
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- Figure 1. Proposed hypothesized conceptual framework
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- Table 1. Demographics of the data collected
- Table 2. Descriptive statistics
- Table 3. Reliability analysis
- Table 4. Correlation analysis of the data collected
- Table 5. Construct validity analysis
- Table 6. Discriminant validity test
- Table 7. SEM coefficients and direct effect checks
- Table 8. Mediation analysis via bootstrapping
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The role of filial piety in career interest alignment, identity alignment, and affective commitment: Evidence from Indonesia
Sakti Hendra Pramudya 
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Jhanghiz Syahrivar ,
Chairy Chairy
doi: http://dx.doi.org/10.21511/ppm.20(1).2022.35
Problems and Perspectives in Management Volume 20, 2022 Issue #1 pp. 432-444 Views: 2015 Downloads: 370 TO CITE АНОТАЦІЯIn Indonesia, where most business organizations are family-owned, culture influences family employees’ behavior. Filial piety, or honoring the seniors, is considered a significant cultural value that motivates the family employees to be committed to the business. This study aims to test the effect of filial piety on identity alignment, career interest alignment, and affective commitment. Quantitative analysis is conducted to test the hypotheses of this study using purposive sampling based on questionnaire survey responses from 270 junior family business employees. The study employs Partial Least Square-Structural Equation Modelling (PLS-SEM) analysis with the SmartPLS software to test the hypotheses. The test result shows that: 1) filial piety has a positive effect on identity alignment and career interest alignment, 2) identity alignment has a positive effect on affective commitment, and 3) career interest alignment has a positive effect on affective commitment. The study illustrates how filial piety affects junior family employee behavior, an issue that has not been addressed before in Asian family business studies.
Acknowledgment
The publication of this study is supported by Indonesia International Institute for Life Sciences (i3L) LPPM fund. -
Financial inclusion and banks' performance: Evidence from Palestine
Fadi Shihadeh
doi: http://dx.doi.org/10.21511/imfi.18(1).2021.11
Investment Management and Financial Innovations Volume 18, 2021 Issue #1 pp. 126-138 Views: 1476 Downloads: 1120 TO CITE АНОТАЦІЯThis study aims to examine the relationship between financial inclusion indicators and bank performance in Palestine. The study population and its sample include all 15 banks operating in Palestine and cover the period 2006 to 2016 with panel data from 162 observations. To interpreter the variables, the study uses the volume of loans to SMEs (usage), banking penetration, number of ATMs and branches (access), and online banking, the latter if it is a dummy variable. Further, the study uses operational profits, total revenues and ROE as bank performance indicators and dependent variables. Using empirical analysis, the results indicated that banking penetration tools, branching and ATMs, could enhance bank performance. Despite the decline in lending to SMEs, this factor could positively improve the performance of banks in Palestine. In general, financial inclusion helps banks improve their performance and increase their revenues. This study recommends that government organizations can use the obtained results to formulate their strategies and agendas for improving financial inclusion in Palestine and other developing countries.
Acknowledgment
The author is thankful to Bo Liu and Azzam Hanoon for their comments and suggestions to improve this paper. The author discloses that funding for the writing of this paper comes from the TAAWON research fund. -
The influence of trust, communication and commitment on ethical behavior in universities: a case of South Africa
Problems and Perspectives in Management Volume 15, 2017 Issue #2 (cont. 1) pp. 266-276 Views: 1399 Downloads: 607 TO CITE АНОТАЦІЯThis study examines the influence of trust, communication and commitment, that have on ethical behavior in universities in the Gauteng province of South Africa. Three hypotheses are posited in this research. The empirical test of hypotheses based on a sample data set of 450 respondents from universities in the Gauteng province of South Africa was provided. IBM SPSS statistics 24.0 and IBM SPSS Amos 24.0 software were used to analyze the data. The results indicate that trust, communication and commitment positively influence ethical behavior in universities. Drawing from the study’s findings, managerial implications are discussed and limitations and future research directions are suggested. This study contributes new knowledge to the existing body of ethical behavior literature and organizational behavior theories in Africa.
