Understanding Consumer’s Acceptance of Technology-Based Innovations in Retailing
Keywords:Technology Acceptance Model (TAM), technology adoption, innovation, consumer behaviour, retailing
AbstractThe availability of a huge number of studies about the Technology Acceptance Model (TAM) for predicting consumer’s acceptance and usage of innovations in points of sale motivates writing of the present. Review, with emphasis on the new variables integrated in the traditional model. This is concerned with a synthesis of the current progresses in the field, thus offering a unified view of consumers’ behaviour towards new technical solutions. Such synthesis is achieved from an extensive literature analysis, including computer science, innovation, human-computer interaction, and technology management perspectives. For each case, both opportunities and issues are outlined in order to advance the current knowledge and highlight what practitioners and scholars should take into account for developing new and efficient corporate strategies.
AJZEN, I. 2002. Perceived Behavioural Control, Self-Efficacy, Locus of Control, and the Theory of Planned Behavior. Journal of Applied Social Psychology, 32, 665-683.
ALEXANDER,A., Nell, D., Bailey,A.R., and Shaw, G. 2009.The co-creation of a retail innovation: shoppers and the early supermarket in Britain. Enterprise & Society, 10 (3), 529-558.
ALSAJJAN, B., and Dennis C. 2010. Internet banking acceptance model: Cross-market examination. Journal of Business Research, 63, 957-963.
AL-SOMALI, S.A., Gholami, R., and Clegg B. 2009. An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29, 130-141.
BAKOS,Y., Lucas, H. C. Jr., Oh, W., Simon, G.,Viswanathan, S., and Weber, B. 2010.The Impact of Electronic Commerce on Competition in the Retail Brokerage Industry. Information Systems Research, 16 (4), 352-371.
BAIER, D., and Stuber E. 2010. Acceptance of recommendations to buy in online retailing. Journal of Retailing and Consumer Services, 17, 173-180.
BERRY, L.L., Bolton, R.N., Bridges, C.H., Meyer, J., Parasuraman,A., and Seiders, K. 2010. Opportunities for innovation in the delivery of interactive retail services. Journal of Interactive Marketing, 24, 155-167.
BEUGELSDIJK, S., de Groot, H. L., and van Schaik, A. B. 2004. Trust and Economic Growth:A Robustness Analysis. Oxford University Press, 56 (1), 118-134.
BENAMATI, J., Fuller, M.A., Serva, M.A., and Baroudi, J. 2010. Clarifying the Integration of Trust and TAM in E-Commerce Environments: Implications for Systems Design and Manage- ment. IEEE Transactions on Engineering Management, 57 (3), 380-393.
BHARADWAJ, N., Walker Naylor, R. and Hofstede, F. 2009. Consumer response to and choice of customized versus standardized systems. International Journal of Research in Marketing, 26 (3), 216-227.
BHATTACHERJEE, A. 2000. Acceptance of e-commerce services: the case of electronic brokerages, IEEE Transactions on Systems, Man and Cybernetics, 30 (4), 411-420.
BREUGELMANS, E., and Campo, K. 2011. Effectiveness of In-Store Displays in a Virtual Store Environment. Journal of Retailing, 87 (1), 75-89.
CARLSSON, S., Corvello, V., and Migliarese, P. (2008). Enabling open innovation: proposal of a framework supporting ICT and KMS implementation in web-based intermediaries. 17th European Conference on Information Systems (ECIS).
CASALO, LV., Flaviàn, C., and Guinalìu, M. 2010. Determinants of the intention to participate in firm-hosted online travel communities and effects on consumer behavioural intentions.Tourism Management, 31, 898-911.
CHANG, H.H. 2010.Task-technology fit and user acceptance of online auction. International Journal of Human-Computer Studies, 68, 69-89.
CHANG, G., and Caneday, L. 2011. Web-based GIS in tourism information search: Perceptions, tasks, and trip attributes.Tourism Management, 32 (6), 1435-1437.
CHANG, K., and Chang, C.C. 2009. Library self-service. Predicting user intentions related to self-issue and return systems.The Electronic Library, 27 (6), 938-949.
CHEN,Y.C., Shang, R.A., and Kao C.Y. 2009.The effects of information overload on consumers subjective state towards buying decision in the internet shopping environment. Electronic Commerce Research and Applications, 8 (1), 48-58.
CHEN, S.-S., Chen, H.-H., and Chen, M.-F. 2009a. Determinants of satisfaction and continuance intention towards self-service technologies. Industrial Management & Data Systems, 109 (9), 1248-1263.
CHEUNG, C.M.K., Chiu, P.K., and Lee, M.K.O. 2011. Online social networks:Why do students use facebook? Computers in Human Behaviour, 27(4), 1337-1343.
CHILDERS, T.L., Carr, C.L., Peck, J., and Carson, S. 2001. Hedonic and utilitarian motivations for online retail shopping behavior. Journal of Retailing, 77 (4), 511-535.
CHIU,Y.-T. H., Fang, S.-C., and Tseng, C.-C. 2010. Early versus potential adopters. Exploring the antecedents of use intention in the context of retail service innovations. International Journal of Retail & Distribution Management, 38 (6), 443-459.
CHIU, C.M., Huang, H.Y., and Yen, C.H. 2010a.Antecedents of trust in online auctions. Electronic Commerce Research and Applications, 9, 148-159.
CHIU, PH., Kao, G.Y.M. and Lo, C.C. 2010b. Personalized blog content recommender system for mobile phone users. International Journal of Human-Computer Studies, 68, 496-507.
CHIU, C.M., Chang, C.C., Cheng, H.L., and Fang, Y.H. 2009. Determinants of customer repurchase intention in online shopping. Online Information Review, 33 (4), 761-784.
CHOE, Y.C., Park, J., Chung, M., and Moon, J. 2009. Effect of the food traceability system for building trust: Price premium and buying behaviour. Information Systems Frontiers, 11, 167-179.
CHONG,A.Y.L., Ooi, K.B., Lin, B.S., and Raman, M. 2009. Factors affecting the adoption level of e-commerce: An empirical study. Journal of Computer Information Systems, 50 (2), 13-22.
DAVIS, F.D. 1989. Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319-340.
DENNIS, C., Newman, A., Brakus, J.J., and Wright, L.T. 2010. The mediating effects of perception and emotion: digital signage in mall atmospherics. Journal of Retailing and Consumer Services, 17 (3), 205-215.
DIMITRIADIS, S., and Kyrezis, N. 2011. The effect of trust, channel technology, and transaction type on the adoption of self-service bank channels.The Service Industries Journal, 31 (8), 1293-1310.
DI PIETRO, L., Di Virgilio, F., and Pantano, E. 2012. Social network for the choice of tourist destination: Attitude and be-havioural intention. Journal of Hospitality and Tourism Technology, 3 (1), 60-76.
DOONG, H.S., Wang, H.C., and Foxall, G.R. 2011. An investigation of consumers’ web store shopping: A view of click- and-mortar company. International Journal of Information Management, 31 (3), 2010-216.
DU, H., Whinston, A.B., Lu, T., and Liu, J. 2010. An empirical study of consumer adoption on mobile data services (MDS) in China. Second International Conference on MultiMedia and Information Technology, 298-301.
EASTLICK, M. A., Ratto, C., Lotz, S. L., and Mishra, A. 2012. Exploring antecedents of attitude toward co-producing a retail checkout service utilizing a self-service technology. The International Review of Retail, Distribution and Consumer Research, 22 (4), 337-364
EIGHMEY, J., and McCord, L. 1998. Adding Value in the Information Age: Uses and Gratifications of Sites on the World Wide Web. Journal of Business Research, 41, 187-194.
FISHBEIN, M., and Ajzen, I. 1975. Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research. Reading, MA: Addison-Wesley.
GODWIN, J.U. 2001. Privacy and Security concerns as a major barrier for e-commerce: a survey study. Information Management & Computer Security, 9 (4), 165-174.
GREENHALGH, T. and Peacock, R. 2005. Effectiveness and efficiency of search methods in systematic reviews of complex evidence: Audit of primary sources. British Medical Journal, 331, 1064-1065.
GUPTA, S., and Xu, H. 2010. Examining the relative influence of risk and control on intention to adopt risky technologies. Journal of Technology Management & Innovation, 5 (4), 22-37.
HA, S. and Stoel, L. 2009. Consumer e-shopping acceptance: Antecedents in a technology acceptance model. Journal of Business Research, 62, 565-571.
HAN, L., and Jin, Y. 2009. A Review of Technology Acceptance Model in the E-commerce Environment. International Conference on Management of e-Commerce and e-Government, 28-31.
HAUSMANN, A.V., and Siekpe, J.S. 2009. The effect of web interface features on consumer online purchase intentions. Journal of Business Research, 62, 5-13.
HERNANDEZ, B., Jimenez, J., and Martin, M.J. 2009a. Adoption Vs acceptance of e-commerce: two different decisions. European Journal of Marketing, 43 (9/10), 1232-1245.
HERNANDEZ, B., Jimenez, J. and Martin, M.J. 2009b.The impact of self-efficacy, ease of use and usefulness on e-purchasing: An analysis of experienced e-shoppers. Interacting with Computers, 21, 146-156.
HERNANDEZ, B., Jiménez, J. and Martin, M.J. 2010. Customer behaviour in electronic commerce:The moderating effect of e-purchasing experience. Journal of Business Research, 63, 964-971.
HSIAO, M.H. 2009. Shopping mode choice: Physical store shopping versus e-shopping.Transportation Research Part E, 45, 86-95.
HU,Y., Sun, X., Zhang, J., Zhang, X., Luo, F., and Huang, L. 2009. A University Student Behavioural Intention Model of Online Shopping Based on TAM. International Conference on Information Management, Innovation Management and Industrial Engineering, 625-628.
HUNG, Y.H., Huang, M.L. and Chen, K.S. 2003. Service quality evaluation by service quality performance matrix. Total Quality Management, 14, 79-89.
IRANI, Z., Dwivedi, Y.K., and Williams, M.D. 2009. Understanding consumer adoption of broadband: an extension of the technology acceptance model. Journal of the Operational Research Society, 60, 1322-1334.
JAYASINGH, S., and Eze, U.C. 2009. Exploring the Factors Affecting the Acceptance of Mobile Coupons in Malaysia. Eighth International Conference on Mobile Business, 329-334.
JIANG, P. 2009. Consumer Adoption of Mobile Internet Services: An Exploratory Study. Journal of Promotion Management, 15, 418-454.
JIN, S.A. 2009. The Roles of Modality Richness and Involvement in Shopping Behaviour in 3D Virtual Stores. Journal of Interactive Marketing, 23 (3), 234-246.
KANG, Y.S., and Lee, H. 2010. Understanding the role of an IT artefact in online service continuance: An extended perspective of user satisfaction. Computers in Human Behaviour, 26, 353-364.
KALAKOTA, R., and Whinston, A. 1997. Electronic Commerce: a manager’s guide. Boston: Addison-Wesley.
KASENIEMI, E., and Rautiainen, P. 2002. Mobile culture of children and teenagers in Finland. In: Katz, J.E., Aakhus, M. (Eds.), Perpetual contact. New York: Cambridge University Press.
KIM, J., and Forsythe, S. 2009. Adoption of sensory enabling technology for online apparel shopping. European Journal of Marketing, 43 (9/10), 1101-1120.
KIM, B., and Han, I. 2011. The role of utilitarian and hedonic values and their antecedents in a mobile data service environment. Expert Systems with Applications, 38, 2311-2318.
KIM, H.B., Kim, T., and Shin, S.W. 2009. Modelling roles of subjective norms and eTrust in customers’ acceptance of airline B2C eCommerce websites.Tourism Management, 30, 266-277.
KIM,T., Lee, J. H., and Law, R. 2008. An empirical examination of the acceptance behaviour of hotel front office systems: An extended technology acceptance model. Tourism Management, 29, 500-513.
KIM, C., Mirusmonov, M., and Lee, I. 2010. An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behaviour, 26, 310-322.
KIM, H., and Niehm, L.S. 2009. The impact of Website Quality on Information Quality, Value, and Loyalty Intentions in Apparel Retailing. Journal of Interactive Marketing, 23 (3), 221-233.
KIM, K.K., Shin, H.K., and Kim, B. 2011. The role of psychological traits and social factors in using new mobile communication services. Electronic Commerce Research and Applications, 10 (4), 408-417.
KOUFARIS, M. 2002. Applying the Technology Acceptance Model and Flow Theory to Online Consumer Behavior. Information Systems Research, 13 (2), 205-223.
KOWATESCH, T., and Maass, W. 2010. In-store consumer behaviour: How mobile recommendation agents influence usage intentions, product purchases, and store preferences. Computers in Human Behaviour, 26, 697-704.
LAROSE, R., and Eastin, M. S. 2002. Is on-line buying out of control? Electronic commerce and consumer self-regulation. Journal of Broadcasting and Electronic Media, 46 (4), 549–564.
LEE, M., Cheung, C., and Chen, Z. 2005. Acceptance of Internet-based learning medium: the role of extrinsic and intrinsic motivation. Information and Management, 42, 1095-1104.
LEE, M.C. 2009. Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8, 130-141.
LEE, S.M., and Chen, L. 2010. The impact of flow on online consumer behaviour. Journal of Computer Information Systems, 4, 1-10.
LEE W., Chiu Y.T.H., Liu C.-C., and Chen C.-Y. 2011. Assessing the effects of consumer involvement and service quality in a self-service setting. Human Factors and Ergonomics in Manufacturing & Service Industries, 21 (5), 504-515.
LI, Y.M. and Yeh, Y.S. 2010. Increasing trust in mobile commerce through design aesthetics. Computers in Human Behaviour, 26, 673-684.
LIU, C., and Forsythe, S. 2011. Examining drivers of online purchase intensity: Moderating role of adoption duration in sustaining post-adoption online shopping. Journal of Retailing and Consumer Services, 18 (1), 101-109.
LIU,Y., Li, H., and Carlsson, C. 2010. Factors driving the adoption of m-learning: An empirical study. Computers & Education, 55, 1211-1219.
LIU, S.H., Liao, H.L., and Pratt, J.A. 2009. Impact of media richness and flow on e-learning technology acceptance. Computers & Education, 52, 599-607.
LIU, S.-F., Huang, L.-S., and Chiou, Y.-H. 2012. An integrated attitude model of self-service technologies: evidence from online stock trading systems brokers.The Service Industries Journal, 32 (11), 1823-1835.
LUO, X., Li, H., Zhang, J., and Shim, J.P. 2010. Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies:An empirical study of mobile banking services. Decision Support Systems, 49, 222-234.
MATHIESON, K. 1991. Predicting user intentions: Comparing the technology acceptance model with the theory of planned behavior. Information Systems Research, 2 (3), 173-191.
MATHWICK, C., Wagner, J., and Unni, R. 2010. Computer- Mediated Customization Tendency (CMCT) and the Adaptive e-Service Experience. Journal of Retailing, 86 (1), 11-21.
MCKINNEY, V., Yoon, K., and Zahedi F. 2002. The Measurement of Web-Customer Satisfaction: An Expectation and Disconfirmation Approach. Information System Research, 13 (3), 296-315.
MULLER-SEITZ, G., Dautzenber, K., Creusen, U., and Stromereder, C. 2009. Customer acceptance of RFID technology: Evidence from the German electronic retail sector. Journal of Retailing and Consumer Services, 16, 31-39.
NOVAK, T. P., Hoffman, D. L., and Yung, Y.F. 2000. Measuring the Customer Experience in Online Environments: A Structural Modelling Approach. Marketing Science, 19 (1), 22-42.
OCHI, P., Rao, S., Takayama, L. and Nass, C. 2010. Predictors of user perceptions of web recommender systems: How the basis for generating experience and search product recommendations affects user responses. International Journal of Human-Computer Studies, 68, 472-482.
OGHAZI, P., Mostaghel R., Hultamn M., and Parida V. 2012. Antecedents of technology-based self-service acceptance: a proposed model. Service Marketing Quarterly, 33, 195-210.
OH, S.H., Kim, Y.M., Lee, C.W., and Shim, G.Y. 2009. Consumer Adoption of Virtual Stores in Korea: Focusing on the Role of Trust and Playfulness. Psychology & Marketing, 26 (7), 652-668.
PAI, J.C. and Tu, F.M. 2011. The acceptance and use of customer relationship management (CRM) systems: An empirical study of distribution service industry in Taiwan. Expert Systems with Applications, 38, 579-584.
PALVIA, P. 2009. The role of trust in e-commerce relational exchange: A unified model. Information & Management, 46, 213-220.
PANTANO, E., and Laria, G. 2012. Innovation in retail process: from consumers’ experience to immersive store design. Journal of Technology Management & Innovation, 7 (3), 198-205.
PANTANO, E., and Corvello, V. 2010. Digital contents management for improving consumers’ experience. International Journal of Digital Content Technology and its Application, 4 (7), 8-10.
PANTANO, E., and Servidio, R. 2012. Modelling innovative points of sales through virtual and immersive technologies. Journal of Retailing and Consumer Services, 19 (3), 279-286.
PANTANO, E., and Viassone, M. 2012. Consumers’ expectation of innovation: shift retail strategies for more attractive points of sale. International Journal of Digital Content Technology and its Applications, 16 (21), 455-461.
PAVLOU, P.A. 2003. Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7 (3), 101-134.
PUCCINELLI, N.M., Goodstein, R.C., Grewal, D., Price, R., Raghubir, P. and Stewart, D. 2009. Customer Experience Management in Retailing: Understanding the Buying Process. Journal of Retailing, 85 (1), 15-30.
RAVASI, D. and Stigliani, I. Product design: a review and research agenda for management studies. International Journal of Management Reviews, 14 (4), 464-488.
REINDERS, M.J., Dabholkar P.A. and Frambach, R.T. 2008. Consequences of Forcing Consumers to Use Technology- Based Self-Service. Journal of Service Research, 11 (2), 107-123.
SAN MARTIN GUTIERREZ, S., Camarero Izquierdo, C. and San José Cabezudo, R. 2010. Product and channel-related risk and involvement in online contexts. Electronic Commerce Research and Applications, 9, 263-273.
SCHIERZ, P.G., Schilke, O., and Wirtz, B.W. 2010. Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9, 209-216.
SHEN, C.C., and Chiou, J.S. 2010. The impact of perceived ease of use on Internet service adoption: The moderating effects of temporal distance and perceived risk. Computers in Human Behaviour, 26, 42-50.
SHIN, D.H. 2009a. Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behaviour, 25, 1343-1354.
SHIN, D.H. 2009b. An empirical investigation of a modified technology acceptance model of IPTV. Behaviour & Information Technology, 28 (4), 361-372.
SIMMONS, K., and Istook, C.L. 2003. Body Measurement techniques: a Comparison of 3D Body Scanning and Anthropometric Methods for Apparel Applications. Journal of Fashion Marketing and Management, 7 (3), 306-332.
SODERLUND, M., and Julander, C.R. 2009. Physical attractiveness of the service worker in the moment of truth and its effects on customer satisfaction. Journal of Retailing and Consumer Services, 16 (3), 216-226.
SORESCU, A., Frambach, R.T., Singh, J., Rangaswamy, A. and Bridges, C. 2011. Innovations in retail business models. Journal of Retailing, 87S (1), S3-S16.
SUN, B., and Han, I. 2002, Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1, 247-263.
SUN, Q., Hao, C., and Jianxin,Y. 2010. Factors Influencing the Adoption of Mobile Service in China:An Integration of TAM. Journal of Computers, 5 (5), 799-806.
SUN, Q., Wang, C., and Cao, H. 2009. An Extended TAM for Analyzing Adoption Behavior of Mobile Commerce. Eighth International Conference on Mobile Business, 52-56.
TANAKINJAL, G.H., Deans, K.R., and Gray, B.J. 2010. Third Screen Communication and the Adoption of Mobile Marketing: A Malaysia Perspective. International Journal of Marketing Studies, 2 (1), 36-47.
TAYLOR, D., and Strutton, D. 2010. Has e-marketing come of age? Modelling historical influences on post-adoption era Internet consumer behaviours. Journal of Business Research, 63, 950-956.
TSAI, Y.C., and Yeh, J.C. 2010. Perceived risk of information security and privacy in online shopping: A study of environmentally sustainable products. African Journal of Business Management, 4(18): 4057-4066.
TSENG, F.M., and Lo, H.Y. 2011. Antecedents of consumers’ intentions to upgrade their mobile phones. Telecommunications Policy, 35, 74-86.
UDO, G.J., Bagchi, K.K., and Kirs, P.J. 2010. An assessment of customers’ e-service quality perception, satisfaction and intention. International Journal of Information Management, 30, 481-492.
VAN DER HEIJDEN, H.,Verhagen,T. and Creemers, M. 2003. Understanding online purchase intentions: contributions from technology and trust perspectives. European Journal of Information Systems, 12, 41-48.
VAN DER HEIJDEN, H.,, H., and Verhagen, T. 2004. Online store image: conceptual foundations and empirical measurement. Information & Management, 41 (5), 609-617.
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), 342-365.
VENKATESH, V., Morris, M.G., Davis, G.B., and Davis, F.D. 2003. User Acceptance of Information Technology:Toward a Unified View. MIS Quarterly, 27 (3), 425-478.
VENKATESH, V., Thong J.Y.L., and Xu X. 2012. Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS Quarterly, 36 (1), 157-178.
VIEIRA,V.A. 2010.Visual aesthetics in store environment and its moderating role on consumer intention. Journal of Consumer Behaviour, 9, 364-380.
VIJAYARAMAN, B., Osyk, B. A., Chavada, D. 2008. An exploratory study of RFID adoption in the paperboard packaging industry. Journal of Technology Management & Innovation, 3 (4), 95-110.
VRECHOPOULOS, A., and Atherinos, E. 2009. Web banking layout effects on consumer behavioural intentions. International Journal of Bank Marketing, 27 (7), 524-546.
WAN ISMAIL, W.K., Chan, P.H.K., Buhari, N., Muzaini, A. 2012. Acceptance of smartphone in enhancing patient-caregivers relationship. Journal of Technology Management & Innovation, 7 (3), 71-79.
WEI, T.T., Marthandan, G., Ching, A.Y.L., Oi, K.B. and Arumugam, S. 2009. What drives Malaysian m-commerce adoption? An empirical analysis. Industrial Management & Data Systems, 109 (3), 370-388.
WENG Z., Liu,D., and Zhao D. 2012, Study of customer productivity-using technology based self-service options. International Joint Conference on Service Sciences, IEEE, 301-306.
WILLOW, C. 2010. Third-generation display technology: nominally transparent material. Journal of Technology Management & Innovation, 5 (4), 108-120.
WOLFINBARGER, M., and Gilly, M. 2001. Shopping online for freedom, control, and fun. California Management Review, 43 (2), 34-55.
WOSZCZYNSKI, A.B., Roth, P.L., and Segars, A.H. 2002. Exploring the theoretical foundations of playfulness in computer interactions. Computers in Human Behavior, 18 (4), 369-388.
WU, L.T. 2010.An Empirical Study on Factors Affecting Customer Intention in Mobile Commerce Contexts. Second International Conference on MultiMedia and Information Technology, 310-313.
WU, J.H., and Wang, S.C. 2005. What drives mobile commerce?: An empirical evaluation of the revised technology acceptance model. Information & Management, 42 (5), 719-729.
YOON, C., and Kim, S. 2007. Convenience and TAM in a ubiquitous computing environment: The case of wireless LAN. Electronic Commerce Research and Applications, 6:102-112.
YOON, C. 2009. The effects of national culture values on consumer acceptance of e-commerce: Online shoppers in China. Information & Management, 46, 294-301.
YOON, C. 2010. Antecedents of customer satisfaction with online banking in China:The effects of experience. Computers in Human Behaviour, 26, 1296-1304.
YOUSAFAZAI, S.Y., Foxall, G., and Pallister, J.G. 2010. Explaining Internet Banking Behaviour:Theory of Reasoned Action, Theory of Planned Behaviour, or Technology Acceptance Model? Journal of Applied Social Psychology, 40 (5), 1172-1202.
YOUSAFAZAI, S., and Yani-de-Soriano M. 2012. Understanding customer-specific factors underpinning internet banking adoption. International Journal of Bank Marketing, 30 (1), 60-81.
ZAK, P.J., and Knack, S. 2011. Trust and growth. Economic Journal, 111, 295-321.
How to Cite
Copyright (c) 2012 Journal of Technology Management & Innovation
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.