Effect Of Perceived Risk on The Intention to Use Internet Banking by Implementing the Technology Acceptance Model

Abstract

This research aims to examine the determinants of intention to use internet banking using the theory of planned behavior. A Survey of 200 university students was conducted to collect data for this research. The data obtained were analyzed using AMOS 18. The hypothesis was tested with the structural equation model, which shows that perceived ease of use, perceived usefulness perceived risk positively influences attitude, and the positive influence of perceived risk, and perceived usefulness have a positive influence on behavior intention to use internet banking. The results emphasize that attitude fully mediated the relationship between perceived ease of use, perceived usefulness, and intention to use internet banking. Besides the practical implication of this research. This work also serves to contribute to the theory of TAM and enrich the literature in this topic. Furthermore, this study also discusses the limitation of the research and shed light to the future research agenda.