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Exploring Antecedents of Behavior Intention to Use Internet Banking in Korea: Adoption Perspective
Abstract
This study is aimed at analyzing adoption and usage behavior within the context of Internet banking services in South Korea. In a country where the penetration rate of the Internet is very high, it seems that the self-efficacy would play a crucial role in affecting the Internet banking adoption. To pursue this research question, this study adopts TAM and incorporates the self-efficacy into TAM as one of antecedent variables such as risk, Internet experience, facilitating conditions. The proposed research model is tested empirically with 185 usable questionnaires and partial least square (PLS) method. Experimental results showed that the self-efficacy plays a prominent role in influencing the Internet banking usage compared to other factors.
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