Exploring Relationship Between Consumers Influencing Factor And Purchasing Intention Internet Banking And Apps

In this work,the researcher proposes a two models of E-Banking consumer behavior which are adopted by Technology Acceptance Model(TAM)as the Model 1 and Perceive Characteristic Innovation(PCI)as the Model 2.This research used two commonly applied and empirically supported models of information technology adoption to achieve these objectives.There are 2 objectives like"Are the hypothesized relationships between variables in every of the models supported?" and "Which model,TAM or PCI,will make a case for a lot of variance in intention to adopt or use Internet Banking and Apps?" During this study,Davis's(1989)Technology Acceptance Model(TAM)is extended by 2 external variables,significantly risk and self-efficacy.The second model may be a reduced version of Moore and Benbasat's(1991)perceived characteristics of innovation(PCI)model.These two models of E-Banking are used to find out the relationships among their variables.Model 1 is used to examining the relationships between Perceived Ease of Use(PEU),Perceived Usefulness(PU),Perceived Self-Efficacy(PSE),Perceived Risk(PR),Intention(IU),and Usage(US).Model 2 is used to examining the relationships between Perceived Risk(PR),Perceived Ease of Use(PEU),Compatibility(CPT),Trialability(TLT),Observability(OST),Intention(IU),and Usage(US).A questionnaire is used to conducting a survey of 250 individual respondents in Cambodia.With this data both research models are tested.As the results reveal that Perceived Ease f Use,Perceived Usefulness,Perceived Self-Efficacy,perceived Risk,Relative Advantages,Compatibility,Trialability,and Observability have a significant association with intention to use of Internet Banking,while Perceived Risk is not significant.The result of this study shows that both Technology Acceptance Model(TAM)and Perceive Characteristic Innovation(PCI)have low capabilities in explaining the variances in users' intention to adopt or use internet banking services.Therefore,future studies are encouraged to carry out a study on all provinces in Cambodia on multi-generational consumers if time permits,so that the findings can be used to represent the population in Cambodia.Future studies are advised to include larger sample size in order to obtain more valuable data and findings.