Factors affecting the intention and decision to use bank cards - Practical research in Vietnam

Doctoral Dissertation, MIT.

[71] Davis, FD (1989) “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology” MIS Quarterly 13(3), pp. 319-340.

[72] Davis, FD (1993) “User Acceptance of Information Technology System Characteristics, User Perceptions and Behavioral Impacts” International Journal of Man-Machine Studies 38(3), pp. 475-487.

[73] Davis, FD, and V. Venkatesh (1996) “A Critical Assessment of Potential Measurement Biases in the Technology Acceptance Model: Three Experiments” International Journal of Human- Computer Studies 45(1), pp.19-45.

[74] Davis, FD, Bagozzi, RP, Warshaw, PR (1992): Extrinsic and intrinsic motivationtousecomputers intheworkplace. J.Appl.Soc. Psychol. 22(14), 11– 32.

Maybe you are interested!

[75] Davis, FD, RP Bagozzi, and PR Warshaw (1989) “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models” Management Science 35(8), pp.982-1003.

[76] Davis, FD, Venkatesh, V. (2004): Toward preprototype user acceptance testing of new information: implications for software projectmanagement.IEEETrans.Eng.Manag. 51(1), 31–46.

[77] Dillon, A., and M. G. Morris (1996) “User Acceptance of Information Technology Theories and Models” Annual Review of Information Science and Technology 31, pp. 3-32.

[78] Faziharudean & Tan ( 2011) Consumers' behavioral intentions to use mobile data services in Malaysia, African journal of business management 5(5):1811-1821 · March 2011.

[79] Featherman, M., & Pavlou, P. (2003). Predicting E-services adoption: A perceived risk aspects perspective. Internatinal journal of Human-Computer studies , Vol.59,No.4, pp 451-471.

[80] Featherman,M., and M. Fuller (2003) “Applying TAM to E-services Adoption: the Moderating Role of Perceived Risk” Proceedings of the 36th Hawaii International Conference on System Sciences.

[81] Feng-Teng, Lin, Wu Hsin-Ying, and Tran Thi Tuyet Nga (2014) "Internet banking adoption in a developing country: an empirical study in Vietnam." Inf syst E-Bus manager, Springer.

[82] Fisbein, M. & Ajzen (1975), Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research , Addion-Wesley Publishing Company.

[83] Folorunso, O., Ateji, O.A., & Awe, O. (2010). An exploratory study of the critical factors affecting the acceptability of automated teller machine (ATM) in Nigeria. Anale. Seria Informatică , Vol. VIII fasc. 1. PP. 151 - 161.

[84] Fornell, C., &Larcker, D.F., (1981) “Structural Equation Models with Unobservable Variables and Measurement Error: Algebra and Statistics”, First Published August 1, 1981.

[85] Gefen,D.,Karahanna,E.,Straub,DW, (2003) “Inexperienceand experience with online stores: the importance of TAM and trust. IEEE Trans. Eng.

Manag. 50(3), 307–321

[86] Gefen, D., and D. W. Straub (1997) “Gender Difference in the Perception and Use of E-mail: An Extension to the Technology Acceptance Model” MIS Quarterly 21(4), pp.389-400.

[87] Gefen, D., and D. W. Straub (2000) “The Relative Importance of Perceived Ease of Use in IS Adoption: A Study of E-commerce Adoption” Journal of the Association for Information Systems 1.

[88] Gefen, D., and M. Keil (1998) “The Impact of Developer Responsiveness on Perceptions of Usefulness and Ease of Use: An Extension of the Technology Acceptance Model” Data Base 29(2), pp.35-49 .

[89] Gefen, D., E. Karahanna, and D.W. Straub (2003) “Trust and TAM in Online Shopping: An Integrated Model” MIS Quarterly 27(1). pp. 51-90.

[90] Gerbing & Anderson (1988), “Structural equation modeling in practice: A review and recommended two-step approach, Psychological Bulletin , Vol 103(3), May 1988, 411-423.

[91] Gerrard & Cunningham (2003), “The diffusion of internet banking among Singapore consumers”, International of Bank Marketing, Vol.21

[92] Gregory Mankiw, N., (2011), “Principals of economics”, Cengage Learing, 888p.

[93] Gorsuch, R. (1983). Factor analysis (2nd ed.). Hillsdale, NJ: Lawrence Erlbaum Associates

[94] Guriting, P.,Ndubisi, N. O (2006) "Borneo online banking: evaluating customer perceptions and behavioral intention", Management Research News, Vol. 29 Issue: 1/2, pp.6-15.

[95] Hair Jr., J.F. et al. (1998). “Multivariate Data Analysis with Readings”.

Englewood Cliffs, NJ: Prentice-Hall

[96] Hansell, S., and White, H.R., Adolescent Drug Use, Psychological Distress, and Physical Symptoms, Journal of Health and Social Behavior , Vol. 32, No. 3 (Sep., 1991), pp. 288-301.

[97] Harrison et al., (1997), “System and Behavioral Research Science”,

Wiley online library

[98] Hendrickson, AR, and PD Latta (1996) “An Evaluation of the Reliability and Validity of Davis‟s Perceived Usefulness and Perceived Ease of Use Instrument” Journal of Computer Information Systems 36(3), pp.77-82.

[99] Hendrickson, AR, PD Massey, and TP Cronan (1993) “On the Test-retest Reliability of Perceived Usefulness and Perceived Ease of Use Scales” MIS Quarterly 17(2), pp.227-230.

[100] Hair, JF, Anderson, RE, Tatham, RL & Black, WC (1998), Multivariate Data Analysis, 5th ed., Prentice-Hall, New Jersey.

[101] Hair, JF, Black, WC, Babin, BJ, Anderson, RE, & Tatham, RL (2006). Multivariate Data Analysis (6 ed.): Prentice Hall.

[102] Hsu, M., Chiu, C., Internet self-efficacy and electronic service acceptance, Decision Support Systems 38 (2004) 369 – 381.

[103] Igbaria, M., T. Guimaraes, and GB Davis (1995a) “Testing the Determinants of Microcomputer Usage Via a Structural Equation Model” Journal of Management Information Systems 11(4), pp. 87-114Information and Management 38(2), pp.119-128.Information Systems Research 5(1), pp.23- 47.

[104] Irfan Bashir .,C. Madhavaiah., (2014)“Determinants of Young Consumers' Intention to Use Internet Banking Services in India” Vision-The Journal of Business Perspective 18(3):153-163 • September 2014.

[105] Karahanna, E., Agarwal, R., Angst, MC, (2006), “Reconceptualizing Compatibility Beliefs in Technology Acceptance Research”, MIS Quarterly 30(4):781-804, December 2006

[106] Karahanna, E., and D. W. Straub (1999b) “The Psychological Origins of Perceived Usefulness and Ease-of-use” Information and Management 35(4), pp.237-250.

[107] Karahanna, E., D.W. Straub, and NL Chervany (1999a) “Information

Technology Adoption across Time: A Cross-sectional Comparison of Pre- adoption and Post-adoption Beliefs” MIS Quarterly 23(2), pp.183-213.

[108] Kauer, M. ( 2012). identification as determining factor of technology acceptance for hedonic and dual use products, thesis. Technischen Universitat Darmstads.

[109] Kettinger, W., Lee, CC, Perceived Service Quality and User Satisfaction with the Information Services Function, Decision Sciences 25(5 ‐ 6):737 - 766 September 1994.

[110] Kesharwani, A.,Tripathy, T., (2012) Dimensionality of Perceived Risk and Its Impact on Internet Banking Adoption: An Empirical Investigation, Services Marketing Quarterly 33(2):177-193 • April 2012.

[111] Kesharwani, A.,Bisht,SS, (2012)The impact of trust and perceived risk on Internet banking adoption in India, International Journal of Bank Marketing 30(4):303-322 • June 2012

[112] Khaled MS Faqih (2013) Exploring the Influence of Perceived Risk and internet self-efficacy on Consumer Online Shopping intentions: Perpective of Technology Acceptance Model, International Management Review, Vol.9 No.1 2013.

[113] Kline, P. (1994), „An Easy Guide to Factor Analysis‟, Routledge, New York.

[114] Kotler, P., (1990) “Marketing management”, Prentice Hall.

[115] Lavee, Y.,(1998) Linear Structural Relationships (LISREL) in Family Research, Journal of Marriage and Family, Vol. 50, No. 4 (November, 1988), pp. 937-948.

[116] Lee, D., J. Park, and J. Ahn (2001) “On the Explanation of Factors Affecting E-commerce Adoption” Proceedings of the 22nd International Conference on Information Systems, pp.109- 120.

[117] Lee, Y., Kozar, KA, Larsen, KRT (2003): The technology acceptance model:past,present,andfuture.Commun.Assoc.Inf.Syst. 12(50), 752–780.

[118] Lee, Y., Lee, J., and Lee, Z. (2001) “The Effect of Self-identity and Social-identity on Technology Acceptance” Proceedings of the International Conference on Information Systems (ICIS).

[119] Legris, P., J. Ingham, and P. Collerette (2003) “Why Do People Use Information Technology? A Critical Review of the Technology Acceptance Model” Information & Management (40), pp.191-204.

[120] Liao, C., Jian-Liang Chen, J., Yen, David C., (2007), “Yen Theory of planning behavior (TPB) and customer satisfaction in the continued use of e-service: An integrated model ", Computers in Human Behavior 23(6):2804-2822,

November 2007

[121] Littler & Melanthiou, (2006). “Consumer perceptions of risk and uncertainty and the implications for behavior towards innovative retail services: The case of Internet Banking”, Journal of Retailing and Consumer Services 13(6):431-443.

[122] Lorence, J., Mortimer, J.T., (1985) Job Involvement Through the Life Course: A Panel Study of Three Age Groups, American Sociological Review, Vol. 50, No. 5 (October, 1985), pp. 618-638.

[123] Lu, J., Yu, C., Liu, C., Yao, J. E (2003) "Technology acceptance model for wireless Internet", Internet Research, Vol. 13 Issue: 3, pp.206-222.

[124] Marangunié, Nikola, and Andrina Granié (2013) "Technology acceptance model: a literature review from 1986 to 2013." Long papers, Springer, 83 - 85.

[125] Mathieson, K. (1991) “Predicting User Intentions Comparing the Technology Acceptance Model with the Theory of Planned Behavior“ Information Systems Research 2(3), pp.173-191.

[126] Mathieson,K., E. Peacock, and W. W. Chin (2001) “Extending the Technology Acceptance Model: The Influence of Perceived User Resources” Data Base 32(3), pp. 86-112.

[127] McKnight, D.H., Choudhury, V. and Kacmar, C. (2002) The Impact of Initial Consumer Trust on Intentions to Transact with a Web Site: A Trust Building Model. The Journal of Strategic Information Systems, 11, 297-323.

[128] Moon, J., and Y.Kim (2001) “Extending the TAM for a World-Wide-Web context” Information and Management 38 (4), pp.217-230.

[129] Morris, M.G., Dillon,A., How user perceptions influence software use IEEE Software 14(4):58 - 65 • August 1997

[130] Nguyen Thanh Duy, Cao Hao Thi (2014) Structural Model for Adoption and Usage of E-Banking in Vietnam, JED No. 220. April

[131] Nikola Marangunie, Andrina Granie(2013), The acceptance model: A literature review from 1986 to 2013, Long paper

[132] Noel Capon (2009), “Capon's Marketing Framework” Wessex, 2009

[133] Nunnally, J.C. & Bernstein, I.H. (1994), Psychometric Theory, 3rd ed., McGraw-Hill, Inc., New York, NY.

[134] Nyoro, M., et al. (2015). Review of technology acceptance model usage in predicting e-commerce adoption. International journal of application of innovation in engineering management (IJAIEM) , Vol.4, issue 1, pp. 46 - 48.

[135] Park, Jinsoo, Dongwon Lee, and Joongho Ahn (2004) "Risk-Focused E-Commerce Adoption Model: A Cross-Country Study." Journal of global information technology management , 2004: 6.

[136] Park,Y.,Chen, JV, (2007) "Acceptance and adoption of the innovative use of smartphones", Industrial Management & Data Systems, Vol. 107 Issue: 9, pp.1349-1365.

[137] Pavlou, P. A (2003)"Consumer acceptance of electronic commer- Integrating trust and risk with the technology acceptance model." International journal of electronic commerce, Vol. 7, no.3, pp 69-103.

[138] Peterson, R.A. (1994). A Meta-Analysis of Cronbach's Coefficient Alpha. Journal of Consumer Research, 21, 381-391.

[139] Pikkarainen (2004), “consumer acceptance of online banking: an extension of the technology acceptance model”, Internet research, Vol.14 Issue:3, PP 224- 235.

[140] Podder, B. (2005), “Factors Influencing the Adoption and Usage of Internet Banking: A New Zealand Perspective”, doctoral thesis, New Zealand.

[141] Porter, M., (1980) “ Competitive strategy.” New York: Free press, 1980.

[142] Quan, VDH, Nam, TH, (2017), “Developing credit card market from Vietnamese consumers‟ perspective Journal of Science, S. 1 (2017).

[143] Rao, HS, Troshani, I. (2007), “A conceptual framework and propositions for the acceptance of mobile services” Journal of Theoretical and Applied Electronic Research, 2007; 2(2):61-73.

[144] Riyadh and Akter,(2009), “The Adoption of E-banking in Developing Countries: A Theoretical Model for SMEs”, International Review of Business Research Papers Vol. 5 No. 6 November 2009, Pp.212-230

[145] Roger, E. (1995), Diffusion of innovations , Free Press, New York.

[146] Segars, A. and Grover, V. (1993) Re-Examining Perceived Ease of Use and Usefulness: A Confirmatory Factor Analysis. MIS Quarterly, 17, 517-525.

[147] Schumacker, RE, & Lomax, RG (1996). A beginner's guide to structural equation modeling. Hillsdale, NJ, US: Lawrence Erlbaum Associates, Inc.

[148] Shengnan Han(2003), Individual adoption of information systems in organizations: A literature review of technology acceptance model, Turku Center of Computer Science TUCSTechnical Report No 540.

[149] Shih,H., (2004),“Extendedtechnologyacceptancemodelofinternet utilization behavior”. Inf. Manag . 41(6), 719–729 (2004).

[150] Shih, Y., Fang, K.,(2004) "The use of a decomposed theory of planned behavior to study Internet banking in Taiwan", Internet Research, Vol. 14 Issue: 3, pp.213-223,

[151] Slater, S. (1995). Issues in Conducting Marketing Strategy Research. Journal of Strategic Marketing, 3(4), 257-270.

[152] Solomon, MR,(1996)Consumer Behavior: Buying, Having, and Being,

Prentice-Hall, 1996 - 682 pages

[153] Suh, B., & Han, I., (2002) effect of trust on customer acceptance of Internet banking Electronic Commerce Research and Applications 1 (2002) 247–263.

[154] Sukkar, AA,Hasan,H., Toward a model for the acceptance of Internet banking in developing countries, First published: 19 October 2005

[155] Tan, M., and Teo, (2000) "Factors Influencing the Adoption of Internet Banking," Journal of the Association for Information Systems : Vol. 1 : Iss. 1

, Article 5.

[156] Steiger, HJ, (1990) Structural Model Evaluation and Modification: An Interval Estimation Approach, Multivariate Behavioral Research, 25:2, 173- 180.

[157] Takele, Y., & Sira, Zeleke, (2013), An analysis of factors involving customers' intention to the adoption of E- banking service channels in Bahir Dar city: An integration of TAM, TPB and PR, European Scientific Journal May 2013 edition vol.9, No.13 ISSN: 1857 – 7881 (Print) e - ISSN 1857- 7431

[158] Taylor &Todd (2001), “Decomposition and Cross Effects in the Theory of Planned Behavior: A Study of Consumer Adoption Intentions”. International Journal of Research in Marketing 12, 137-155

[159] Taylor, S., Todd, P. (1995), “Understandinginformationtechnology usage: a test of competing models” Inf. Syst . Res. 6(2), 144–176.

[160] Taylor, S., and P. A. Todd (1995b) “Understanding Information Technology Usage: A Test of Competing Models” Information Systems Research 6(2), pp.145-176.

[161] Taylor, S.A., Sharland, A., Cronin, JJ, Bullard, W.,(1993) "Recreational Service Quality in the International Setting ", International Journal of Service Industry Management , Vol. 4 Issue: 4, pp.68-86.

[162] Teo et al. (1999) “Intrinsic and Extrinsic Motivation in Internet Usage”

Omega 27, pp.25-37.

[163] Tharenou, P., Latimer, S., Conroy, D., (1994), “How do you Make it to the Top? An Examination of Influences on Women's and Men's”,Managerial Advancement Academy of Management Journal Vol. 37, No. 4.

[164] Venkatesh & colleagues (2003) “User Acceptance of Information Technology: Toward a Unified View” MIS Quarterly 27(3), pp. 425-478.

[165] Venkatesh, V. (2000) “Determinants of Perceived Ease of Use Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model” Information Systems Research 11(4), pp.342-365.

[166] Venkatesh, V., and F.D. Davis (1996) “A Model of the Antecedents of Perceived Ease of Use Development and Test” Decision Sciences 27(3), pp.451-481.

[167] Venkatesh, V., and FD Davis (2000) “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies” Management Science46(2), pp. 186-204.

[168] Venkatesh, V., and MG Morris (2000) “Why Don't Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior” MIS Quarterly 24(1), pp.115-139.

[169] Venkatesh, V., and S. Brown (2001) “A Longitudinal Investigation of Personal Computers in Homes: Adoption Determinants and Emerging Challenges” MIS Quarterly 25(1), pp.71-102.

[170] Venkatesh, V., MG Morris, GB Davis, and FD Davis (2003) “User Acceptance of Information Technology: Toward a Unified View” MIS Quarterly 27(3), pp. 425-478.

[171] Venkatesh, V., M.G. Morris, and PLAckerman (2000) “A Longitudinal Field Investigation of Gender Differences in Individual Technology Adoption Decision Making Processes” Organizational Behavior and Human Decision

Factors affecting the intention and decision to use bank cards - Practical research in Vietnam - 20

Comment