An extension of TAM model with IDT and security/privacy risk in the adoption of internet banking services in Greece

dc.contributor.author	Γιοβάνης, Απόστολος Ν.	el
dc.contributor.author	Μπινιώρης, Σπυρίδων	el
dc.contributor.author	Πολυχρονόπουλος, Γεώργιος Ι.	el
dc.date.accessioned	2014-12-08T18:13:09Z
dc.date.available	2014-12-08T18:13:09Z
dc.date.issued	2014-12-08
dc.identifier.uri	http://hdl.handle.net/11400/2704
dc.rights	Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ηνωμένες Πολιτείες	*
dc.rights.uri	http://creativecommons.org/licenses/by-nc-nd/3.0/us/	*
dc.source	http://www.emeraldinsight.com	en
dc.subject	Internet banking
dc.subject	risk perception
dc.subject	technology transfer
dc.subject	Information user studies
dc.subject	Innovation adoption
dc.subject	Greece
dc.subject	Diffusion of innovation
dc.subject	New product adoption
dc.subject	Partial least squares
dc.subject	Virtual banking
dc.subject	Ηλεκτρονικές συναλλαγές
dc.subject	Ελλάδα
dc.subject	Διάδοση των καινοτομιών
dc.subject	Αντίληψη κινδύνου
dc.subject	Εικονική συναλλαγή
dc.subject	Εκπαίδευση χρηστών στην πληροφόρηση
dc.subject	Υιοθέτηση της καινοτομίας
dc.title	An extension of TAM model with IDT and security/privacy risk in the adoption of internet banking services in Greece	en
heal.type	journalArticle
heal.classification	Information resources
heal.classification	Information services
heal.classification	Ηλεκτρονικές πηγές πληροφόρησης
heal.classification	Ηλεκτρονικό εμπόριο
heal.classificationURI	http://id.loc.gov/authorities/subjects/sh99001160
heal.classificationURI	http://id.loc.gov/authorities/subjects/sh85066157
heal.classificationURI	N/A-Ηλεκτρονικές πηγές πληροφόρησης
heal.classificationURI	N/A-Ηλεκτρονικό εμπόριο
heal.keywordURI	http://id.loc.gov/authorities/subjects/sh99014205
heal.keywordURI	http://lod.nal.usda.gov/137693
heal.keywordURI	http://lod.nal.usda.gov/5273
heal.keywordURI	http://skos.um.es/unescothes/C01999
heal.keywordURI	http://zbw.eu/stw/descriptor/29817-6
heal.identifier.secondary	http://dx.doi.org/10.1108/14502191211225365
heal.language	en
heal.access	campus
heal.recordProvider	Τεχνολογικό Εκπαιδευτικό Ίδρυμα Αθήνας. Σχολή Διοίκησης και Οικονομίας. Τμήμα Διοίκησης Επιχειρήσεων	el
heal.publicationDate	2012
heal.bibliographicCitation	Giovanis, A.N., Bionioris, S. and Polychronopoulos, G.I., 2012. An extension of TAM model with IDT and security/privacy risk in the adoption of internet banking services in Greece. EuroMed Journal of Business, 7(1), pp. 24-53.	en
heal.abstract	Purpose – This paper presents an extended technology acceptance model (TAM) with concepts from the innovation diffusion theory (IDT) and customers’ perceived risk, aiming to examine the factors affecting Greek customers’ intentions to adopt internet banking services. Furthermore, several individual differences are examined, with respect to their impact on the formation of customers’ attitude about the pros and cons of the new technology. Design/methodology/approach – Based on an empirical study including off-line banking customers that are familiar with the internet, the authors validate a causal model linking the constructs of the proposed service’s compatibility, perceived ease of use, perceived usefulness, perceived security and privacy risk, customers’ demographics and IT competences, with customers’ intentions to adopt internet banking services in the future. Partial least squares procedure was used to analyze 212 cases collected from residential customers via personal interviews using a properly designed questionnaire. Findings – The results indicated that service compatibility is the key factor, which mostly shapes customers’ behavioural intentions toward internet banking adoption, followed by TAM constructs and perceived risk elements. Moreover, TAM and perceived security and privacy risk constructs partially mediate the relationships between compatibility and customers’ behavioural intentions, while perceived usefulness partially mediates the relationship between perceived ease of use and customers’ intentions. Finally, in terms of the impact of individual differences on customers’ beliefs about internet banking compatibility, value and risk elements, younger, mostly male customers, with adequate previous IT experience who find themselves to be compatible with the new service, are a more promising target group to use internet banking, as an alternative channel to perform their financial transactions in the future. Originality/value – This study explores the influence of an extended TAM model factors on internet banking adaptation behaviour of Greek customers. The proposed model has never been used in the internet banking context and could be utilised to provide a solid theoretical foundation of the internet banking acceptance case.	en
heal.publisher	Emerald	en
heal.journalName	EuroMed Journal of Business	en
heal.journalType	peer-reviewed
heal.fullTextAvailability	true