The purpose of this study is to examine how users’ intention to adopt online banking is influenced by perceived trust (PT), awareness (AWE) and social influence (SI) and to assess whether customer relationship management (CRM) moderates the impact of these factors on adoption intentions.
Data were collected from 565 respondents in Pakistan using a stratified sampling technique. The analysis was conducted using Partial Least Squares Structural Equation Modeling with SmartPLS-4 to examine the proposed relationships.
This study’s findings reveal that PT, AWE and SI do not directly influence users’ intention to adopt online banking. Trust impacts intention through perceived ease of use, while AWE and SI affect intention via both perceived usefulness and ease of use. CRM negatively moderates SI but positively moderates the effects of PT and AWE on users’ intention.
This study explores the novel role of CRM as a moderator, offering fresh insights into how CRM enhances the impact of PT, AWE and SI on online banking adoption.
