پذيرش بانكداري اينترنتي در ايران: بسط مدل پذيرش فناوري

Acceptance Of Internet Banking In Iran: Extension of Technology Acceptance Model (TAM)

In the past several decades , perception of usefulness and ease of use had been the most important factors in recognition of new technologies in the field of information systems. Nevertheless, by themselves, these two factors could not describe user behavior within emerging environments such as the internet banking. From the standpoint of technology acceptance at an individual level, the present paper has expanded the technology acceptance model (TAM) by introducing the characteris tics of the internet banking environment. In this study, the most important models offered within individual technology acceptance were reviewed and two constructs, perceived self efficacy and confidence in TAM, have been added . A survey method was employed using a questionnaire as a data collection instrument. The sample surveyed was 310 bank customers.