AN EXAMINATION OF DIGITAL BANKING TECHNOLOGY ACCEPTANCE AMONG MIDDLE AGED PEOPLE IN KAZAKHSTAN: A CONCEPTUAL INVESTIGATION

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Date

2021

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СДУ хабаршысы - 2021

Abstract

Abstract. The rapid growth of global internet use has caused an acute need for organizations to implement technologies in their daily operations. In particular, financial institutions began to promote digital banking services among their customers. Although online banking seems attractive, many people from different age groups are still resistant to its adoption. Thus, this paper proposes a conceptual approach to adoption of internet banking among middle-aged people in Kazakhstan. The studies conducted on IS/IT adoption by using Technology Acceptance Model (TAM) have revealed the limitations of the original model. That is why original TAM should be extended in order to explain the key factors that are affecting the customers' adoption of internet banking. In this work we studied the IS literature about internet banking adoption through implementing different theories from the psychology field in order to construct a conceptual model that would have greater explanation of people's beliefs to use new technologies. In particular, we added variables, such as Subjective Norm, Trust, Perceived Risk and Word of Mouth to the conceptual model.

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Keywords

Technology Acceptance Model (TAM), Theory of Reasoned Action (TRA), Theory of Planned Behavior (TPB), Word of Mouth, internet banking, middle aged people, СДУ хабаршысы - 2021, №2

Citation

U. Choban , A. Meyrambek / AN EXAMINATION OF DIGITAL BANKING TECHNOLOGY ACCEPTANCE AMONG MIDDLE AGED PEOPLE IN KAZAKHSTAN: A CONCEPTUAL INVESTIGATION / СДУ хабаршысы - 2021