developing countries: An extension <strong>of</strong> the TAM Model. Operations & Information <strong>Management</strong> Group, Aston Business School. BANK OF MAUR<strong>IT</strong>IUS, Monthly bulletin, May 2011. BRODERICK, A. & VACHIRAPORNPUK, Y. (2002). Service quality in Internet banking: <strong>The</strong> importance <strong>of</strong> customer role. Marketing Intelligence and Planning, 20, 55-77. BURKE, R.R. (2002). Technology and the customer interface: What consumers want in the physical and virtual store? <strong>Journal</strong> <strong>of</strong> the Academy <strong>of</strong> Marketing <strong>Science</strong> 30(4), 411-432. BRUNO, M.A. (2003), B<strong>of</strong>A’s climb to the top <strong>of</strong> the online world, US Banker 113 (6), 24-25. CHANG, H. & HAMID, M. (2010). An empirical investigation <strong>of</strong> Internet Banking in Taiwan. Global <strong>Journal</strong> <strong>of</strong> Business <strong>Research</strong> 4 (2), 39-48. CZAJA, S.J., SHAR<strong>IT</strong>, J., OWNBY, R., ROTH, D.L. & NAIR, S. (2001). Examining age differences in performance <strong>of</strong> a complex information search and retrieval task. Psychology and Aging 16(4), 564-580. DAVIS, F. (1989). Perceived usefulness, perceived ease <strong>of</strong> use, and user acceptance <strong>of</strong> information technology. MIS Quarterly 13, 319–340. DOLL, W.J., HENDRICKSON, A. & DENG, X. (1998). Using Davis’s perceived usefulness and ease<strong>of</strong>-use instruments for decision making: a confirmatory and multigroup invariance analysis, Decision <strong>Science</strong>s <strong>Journal</strong> 29(4), 839-69. DAVIS, F.D., BAGOZZI, R.P. & WARSHAW, P.R. (1989). User Acceptance <strong>of</strong> Computer Technology: A Comparison <strong>of</strong> Two <strong>The</strong>oretical Models. <strong>Management</strong> <strong>Science</strong> 35(8), 982-1003. EL-NAWAWY, M.A. & ISMAIL, M.M. (1999). Overcoming deterrents and impediments to electronic commerce in light <strong>of</strong> Globalization. Proceedings <strong>of</strong> the 9th annual conference <strong>of</strong> the internet society, 22-25 June INET 99, San Jose, USA. FASSNACHT, M. & KOSE, I. (2007). Consequences <strong>of</strong> web-based service quality: Uncovering a multi-faceted chain <strong>of</strong> effects. <strong>Journal</strong> <strong>of</strong> Interactive Marketing, 21(3), 35-54. FISHBEIN, M. & AJZEN, I. (1975). Belief, Attitude, Intention and Behavior. An Introduction to <strong>The</strong>ory and <strong>Research</strong>, Addison Wesley, Reading, MA. GERRARD, P. & CUNNINGHAM, J.B. (2003). <strong>The</strong> diffusion <strong>of</strong> internet banking among Singapore consumers, International <strong>Journal</strong> <strong>of</strong> Bank Marketing 21 (1), 16-28. HASAN, I., ZAZZARA, C. & CICIRETTI, R. (2005). Do internet activities add value? Evidence from the banking industry, Rensselaer Polytechnic Institute, unpublished manuscript. HERNANDEZ, J.M.C. & MAZZON, J.A. (2007). Adoption <strong>of</strong> internet banking: proposition and implementation <strong>of</strong> an integrated methodology approach, International <strong>Journal</strong> <strong>of</strong> Bank Marketing 25(2), 72-88. HERNANDO, I. & NIETO, M.J. (2007). Is the internet delivery channel changing banks’ performance? <strong>The</strong> case <strong>of</strong> Spanish banks, <strong>Journal</strong> <strong>of</strong> Banking and Finance, 31 (4), 1083-99. HWAY-BOON, O. & YU, C.M. (2003). Success factors in e-channels: the Malaysian banking scenario, International <strong>Journal</strong> <strong>of</strong> Bank Marketing 21 (6/7), 369- 77. JAYAWARDHENA, C. & FOLEY, P. (2000), Changes in the banking sector – the case <strong>of</strong> internet banking in the UK, Internet <strong>Research</strong>: Electronic Networking Applications and Policy, Vol. 10 No. 1, pp. 19-30. KAISER, H. (1974). An index <strong>of</strong> factorial simplicity. Psychometrika, 39, 31-36. KALAKOTA, R. & FREI, F. (1998). Frontiers <strong>of</strong> online financial services, In: M. J. Cronin, ed. Banking and Finance on the Internet. New York, USA: John Wiley & Sons, 19-74. O'CONNELL, B. (1996). Australian banking on the internet- fact or fiction? <strong>The</strong> Australian Banker, December, 212-214. PADACHI, K., ROJID, S. & SEETANAH, B. (2008). Analysing the factors that influence the adoption <strong>of</strong> internet banking in Mauritius. <strong>Journal</strong> <strong>of</strong> Internet Business, 5, 116-126. POLATOGLU, V.N. & EKIN, S. (2001). An empirical investigation <strong>of</strong> the Turkish consumers’ acceptance <strong>of</strong> internet banking services, International <strong>Journal</strong> <strong>of</strong> Bank Marketing 19 (4), 156-65. ROGERS, E.M. (1962). Diffusion <strong>of</strong> Innovations, <strong>The</strong> Free Press, New York, NY. ROTCHANAK<strong>IT</strong>UMNUAI, S. & SPENCE, M. (2003). Barriers to internet banking adoption: a quantitative study among corporate customers in Thailand, International <strong>Journal</strong> <strong>of</strong> Bank Marketing 21 (6/7), 312- 23. SALISBURY, W.D., PEARSON, R.A, PEARSON, A.W. & MILLER, D.W., (2001). Perceived security and World Wide Web purchase intention. Industrial <strong>Management</strong> & Data Systems 101, 165-176. SATHYE, M. (1999). Adoption <strong>of</strong> internet banking by Australian consumers: An empirical investigation. International <strong>Journal</strong> <strong>of</strong> Bank Marketing 17(7), 324- 334. SAYAR, C. & WOLFE, S. (2007). Internet banking market performance: Turkey versus the UK, International <strong>Journal</strong> <strong>of</strong> Bank Marketing 25 (3), 122-41. SINGH, A.M. (2004). Trends in South African internet banking, Aslib Proceedings, 56 (3), 187-96. TAYLOR, S. & TODD, P.A. (1995). Assessing <strong>IT</strong> usage: the role <strong>of</strong> prior experiences, MIS Quarterly 19(3), 561-70. THOMAS, G., KELLERMANN, T., MCNEVIN & VALERIE. (2002). Electronic Security: Risk Mitigation in Financial Transactions. Public Policy Issues, <strong>The</strong> World Bank. VENKATESH, V. & MORRIS, M.G. (2000). Why do not men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior. MIS Quarterly 24(1) 115–139. YOUSAFZAI, S.Y., FOXALL, G.R. & PALLISTER, J.G. (2010), Explaining internet banking behavior: TRA, TPB, or TAM? <strong>Journal</strong> <strong>of</strong> Applied Social Psychology 40(5), 1172-1202. www.theinternationaljournal.org > RJS<strong>IT</strong>M: Volume: 01, Number: 08, June-2012 Page 14
WAI-CHING POON. (2008). Users' adoption <strong>of</strong> e- banking services: the Malaysian perspective. <strong>Journal</strong> <strong>of</strong> Business and Industrial Marketing 23(1), 59-69. WU, M. & KUO, F. (2008). An Empirical Investigation <strong>of</strong> Habitual Usage and Past Usage on Technology Acceptance Evaluations and Continuance Intention, Database for Advances in Information Systems 39(4), 48-73. ANNEXURE Table I: Internet Banking Trend Year Number <strong>of</strong> customers Number <strong>of</strong> transactions (monthly) Value <strong>of</strong> transactions (monthly) (Rs mn) Dec 2007 47, 616 164, 038 14, 442 Dec 2008 63, 285 198, 205 28, 806 Dec 2009 108, 414 252, 554 37, 607 Dec 2010 133,508 171,088 4 4,038 (Source: Bank <strong>of</strong> Mauritius (BoM) Monthly Bulletin – June 2011) Table II: Demographic Pr<strong>of</strong>ile <strong>of</strong> Respondents Demographic Pr<strong>of</strong>ile Details % Gender Male 40.3 Female 59.7 Age Group Less than 25 37.6 25 – 35 47.2 36 – 45 10.0 More than 45 5.2 Highest Education Level School Certificate (O Level) 1.7 Higher School Certificate (A Level) 20.3 Diploma / Degree 54.5 Post Graduate 23.4 Monthly Household Income Group < Rs 5,000 16.2 Rs 5,000 – Rs 10,000 8.6 Rs 10,000 – < Rs 25,000 40.0 Rs 25,000 – < Rs 50,000 24.5 Rs 50,000 and above 10.7 Internet Access Home 92.4 Workplace 86.4 Use <strong>of</strong> IB 53.8 Frequency <strong>of</strong> Usage <strong>of</strong> IB Daily 6.4 2 – 3 times a week 14.0 Once a week 24.8 2 – 3 times a month 14.0 Once a month 21.0 Rarely 19.7 www.theinternationaljournal.org > RJS<strong>IT</strong>M: Volume: 01, Number: 08, June-2012 Page 15
Change language