Analyzing the use of UTAUT model in explaining an online behaviour :
General Material Designation
[Thesis]
First Statement of Responsibility
Al-Qeisis, Kholoud Ibrahim
Title Proper by Another Author
Internet banking adoption
.PUBLICATION, DISTRIBUTION, ETC
Name of Publisher, Distributor, etc.
Brunel University
Date of Publication, Distribution, etc.
2009
DISSERTATION (THESIS) NOTE
Dissertation or thesis details and type of degree
Ph.D.
Body granting the degree
Brunel University
Text preceding or following the note
2009
SUMMARY OR ABSTRACT
Text of Note
Technology acceptance research is a constantly developing field. The disciplines that contributed to its development are either beliefs focused or system focused. The unified theory of acceptance and use of technology (UTAUT) combined both. The current research model proposes an extension to the UTAUT that accounts for online usage behaviour. The proposed research model is tested in two countries (UK and Jordan) to investigate the viability of the unified model of technology acceptance in different boundaries as a model of individuals' discretionary usage of Internet banking. The study also questions the roles of other determinants and moderators in this context. Results found support for the effect of the proposed extension, website quality perceptions, on usage behaviour in both countries' models; the total effect of this extension exhibited website quality perceptions the most influential determinant of usage behaviour in both models and performance expectancy construct was second in effect. Social influence had no impact on the usage behaviour in both models, which is consistent with previous research that advocates a declining role of social influence under discretionary usage and increased experience conditions. Furthermore, the moderating role of performance expectancy previously established in TAM's research was supported in the UTAUT model in both countries' models. Moreover, both models reported a non-moderating effect of gender, which, is also in line with recent research findings that suggest declining gender differences under voluntary usage conditions and advanced experience. Education and income were moderators only for the UK model. Although the research findings demonstrated that both countries' models were "configurally" similar with respect to model specifications, the models' explanatory power for usage behaviour was dissimilar: the UK's model explanatory power exceeded that of Jordan's model presenting an opportunity for future research. The current research contributes to knowledge in the field of technology acceptance research. It demonstrated that website quality perceptions, as a multidimensional concept, play an important role in the online usage context. It also demonstrated that the unified model of technology acceptance established in the western culture can be transferred to a non-western culture although with varying degrees of explanation power.