Application of Technology Acceptance Model in Increasing Intention to Use Digital Banking Services

Abstract

This study applied technology acceptance model (TAM) in analyzing intention to use digital banking services. The research model was developed based on the review of the theoretical background and previous studies related to the analysis and evaluation of the impact of perceived usefulness, perceived ease of use, and attitude on intention to use digital banking services. The study collected survey data from 329 people who are customers of commercial banks in Ho Chi Minh City. The used research methods were mainly quantitative methods including statistical analysis, reliability assessment of Cronbach's alpha, exploratory factor analysis and confirmatory factor analysis (EFA & CFA), Structural Equation Moding from SPSS and AMOS software. Research results show that: (i) Perceived ease of use has a positive impact on perceived usefulness; (ii) Perceived usefulness and perceived ease of use have a positive impact on the attitude towards using digital banking services and (iii) Perceived usefulness and the attitude towards using digital banking services have a positive impact on the intention to use digital banking services.