An empirical investigation of mobile banking adoption in Jakarta: Theory Acceptance Model

Abstract

This study employed the Technology Acceptance Model' (TAM). The purpose is to  re-examine the TAM model in terms of mobile banking acceptance in Jakarta. The sample was 242 m-banking users with convinience sampling technique. The study found (1) Perceived ease of use had a positive and significant effect on Perceive usefulness.  (2) Perceive usefulness and Perceived ease of use had a positive and significant effect on Attitude, (3) Perceived usefulness  had a positive and significant effect on Attitude, behavioral intention  and actual use. (4) Attitude had a positive and significant effect on behavioral intention, and (5) Behavioral intention had a positive and significant effect on Actual usage. TAM could explain the variance of behavioral intention of 63,9 percent and actual use of 71.2 percent.