| This research extends the Technology Acceptance Model (TAM) as applied to a specific type of technology: electronic banking. The study suggests four antecedents to individuals' acceptance and use of electronic banking: electronic banking-specific computer self efficacy; prior training in electronic banking; perceived ease of use of electronic banking technology, and locus of control. The investigation further seeks to determine if age and gender influence these variables while controlling for race and income. Results of the statistical analysis is important for practitioners and researchers, in that electronic banking-specific computer self efficacy, as well as prior training in e-banking were both found to predict individuals' acceptance and use of electronic banking at a statistically significant level. Additionally electronic banking-specific computer self efficacy was found to predict perceived ease of use of electronic banking. The results provided two important insights into the model: age and gender did not influence outcome variables; and neither did race and income. The data have implications for practitioners and researchers in lending further understanding of the factors that affect acceptance and use of electronic banking, and provides directions for future research. |
