Percieved usefulness, percieved easeof use, behavioural intention to use and actual system usage in Centenary Bank.

Abstract

The study examines the relationship between perceived usefulness and behavioural intention to use. The relationship between perceived usefulness and Actual system use is mediated by behavioural intention to use. It is expected that once customers perceive the ATM system to be useful, this consequently influences their behavioural intention to use the system. Further their perceived ease of use influences perceived usefulness leading to behavioural intention to use and ultimately leading to actual system usage A conceptual framework was developed relating to technology acceptance model to investigate a wide range of information technologies, and a cumulative tradition has already been developed in this stream of research. Most TAM studies have been empirical investigations, using the survey approach with great success. TAM is a mature model and has been validated in different contexts. The study used a cross-sectional survey design because data about variables could be obtained at any given period of time. Statistical Package for Social Scientists (SPSS v 10.0) was used for data analysis. Pearson’s correlation was used to establish relationship between the study variables (perceived ease of use, perceived usefulness, behavioural intention to use and actual system use). Regression analysis was conducted to examine the effect of independent variables on the dependent variable.

Here, different levels of invariance analysis on the TAM construct in the context of ATM banking acceptance has been applied. These findings suggested that male and female, old and young, ATM banking customers conceptualized the TAM construct in very similar ways. These findings allowed us to understand TAMs validity in technology acceptance research in relation to ATM banking in Centenary Bank.