The Effects of Computer Self-Efficacy and Technology Acceptance Model on Behavioral Intention in Internet Banking Systems

The aim of this paper is to determine the acceptance of internet banking system amongst potential young users in internet banking. Specifically, it has been attempted to examine the effects of Computer Self-Efficacy (CSE) and extended Technology Acceptance Model (TAM) on the Behavioural Intention (BI) to use the internet banking systems. Data was obtained from 222 undergraduate marketing students in a Malaysia's public university. The finding showed that Perceived Usefulness (PU), Perceived Ease of use (PE) and Perceived Credibility (PC) of extended TAM had a significant relationship with BI. It was found that PC exerting a stronger influence than PU and PE on respondents' BI to use the internet banking systems. This study validated the critical role of CSE in predicting individual responses to information technology systems. The finding also unveiled that indirect relationship existed between CSE and BI through PU, PE and PC of TAM. (C) 2012 Published by Elsevier Ltd.