Questionnaire measures and descriptive statistics
| Variable | Description | Adopted from | N | Min | Max | Mean | SD |
|---|---|---|---|---|---|---|---|
| Dependent variable – intention to adopt e-banking | Suh and Han (2003) | ||||||
| AI1 | I intend to continue using this internet banking site in the future | 209 | 2 | 5 | 3.99 | 0.55 | |
| AI2 | I expect my use of this internet banking site to continue in the future | 209 | 2 | 5 | 4.00 | 0.51 | |
| AI3 | I will frequently use this Internet banking site in the future | 209 | 1 | 5 | 3.96 | 0.58 | |
| AI4 | I will strongly recommend others to use this Internet banking site | 209 | 1 | 5 | 3.94 | 0.61 | |
| AI5 | I am willing to spend more time to understand how to efficiently use Internet banking | 209 | 2 | 5 | 4.07 | 0.50 | |
| Moderating variable – perceived risk of cybercrime | Chiou and Shen (2012), De Kimpe et al. (2020) | ||||||
| PROC1 | I am afraid that my data will be embezzled (misappropriated) | 209 | 1 | 5 | 3.06 | 1.10 | |
| PROC2 | I am afraid that my password will be divulged (disclosed) | 209 | 1 | 5 | 3.00 | 1.01 | |
| PROC3 | I do not believe that my personal account can be securely protected through the online transaction process | 209 | 1 | 5 | 3.43 | 0.80 | |
| PROC4 | I feel using internet banking still has the risk of incomplete transaction | 209 | 1 | 5 | 3.44 | 0.98 | |
| PROC5 | It is hard to discern the service quality of internet banking | 209 | 1 | 5 | 2.48 | 0.93 | |
| PROC6 | I am afraid to become a victim of malware (malicious software) | 209 | 1 | 5 | 3.81 | 0.75 | |
| PROC7 | I am afraid to become a victim of ransomware (access blocking malicious software) | 209 | 1 | 5 | 3.73 | 0.78 | |
| PROC8 | I am afraid to become a victim of hacking | 209 | 1 | 5 | 3.88 | 0.77 | |
| PROC9 | I am afraid to become a victim of phishing (electronic means of confidential data theft) | 209 | 1 | 5 | 3.89 | 0.69 | |
| PROC10 | I am afraid to become a victim of identity theft (obtaining financial or personal information of another) | 209 | 1 | 5 | 3.89 | 0.75 | |
| PROC11 | I am afraid to become a victim of consumer fraud (deceptive business practices causing customers financial losses) | 209 | 1 | 5 | 3.85 | 0.76 | |
| Independent variable – perceived usefulness of e-banking | Chiou and Shen (2012), Suh and Han (2003) | ||||||
| PU1 | Using Internet bank improves my financial transactions performance | 209 | 2 | 5 | 4.03 | 0.54 | |
| PU2 | Using Internet bank enhances my effectiveness on the financial transactions | 209 | 1 | 5 | 3.99 | 0.60 | |
| PU3 | Overall, I find the Internet bank useful in my financial transactions | 209 | 2 | 5 | 4.01 | 0.55 | |
| PU4 | Using Internet bank makes it easier to do my financial transactions | 209 | 1 | 5 | 3.92 | 0.70 | |
| PU5 | Using the Internet banking site has a critical role in supporting my banking activities | 209 | 2 | 5 | 3.84 | 0.65 | |
| PU6 | Using this internet banking site enables me to accomplish banking activities more quickly | 209 | 1 | 5 | 4.09 | 0.52 | |
| PU7 | Using this internet banking site makes it easier to do my banking activities | 209 | 2 | 5 | 4.05 | 0.59 | |
| PU8 | I find this internet banking site useful for my banking activities | 209 | 2 | 5 | 4.00 | 0.55 | |
| Independent variable – perceived security and privacy of e-banking | Pikkarainen et al. (2004), Chiou and Shen (2012), Pikkarainen et al. (2004) | ||||||
| SP1 | I trust in the technology an online bank is using | 209 | 1 | 5 | 3.60 | 0.74 | |
| SP2 | I trust in the ability of an online bank to protect my privacy | 209 | 1 | 5 | 3.20 | 1.02 | |
| SP3 | I trust in an online bank as a bank | 209 | 1 | 5 | 3.20 | 1.06 | |
| SP4 | Using an online bank is financially secure | 209 | 1 | 5 | 3.36 | 0.87 | |
| SP5 | I am not worried about the security of an online bank | 209 | 1 | 5 | 3.02 | 1.04 | |
| Independent variable – perceived ease of use of e-banking | Chiou and Shen (2012) | ||||||
| PEOU1 | It is easy for me to learn how to use Internet banking site | 209 | 2 | 5 | 3.96 | 0.53 | |
| PEOU2 | I find it easy to get the Internet banking site to do what I want it to do | 209 | 2 | 5 | 3.94 | 0.54 | |
| PEOU3 | 35. My interaction with the Internet bank is clear and understandable | 209 | 1 | 5 | 3.90 | 0.62 | |
| PEOU4 | Overall, I find the Internet bank easy to use | 209 | 2 | 5 | 3.98 | 0.60 | |
| PEOU5 | It is easy to remember how to use this internet banking site | 209 | 1 | 5 | 3.97 | 0.62 | |
| PEOU6 | It is easy for me to become skilful at using an online bank | 209 | 1 | 5 | 3.79 | 0.70 |
| Variable | Description | Adopted from | N | Min | Max | Mean | SD |
|---|---|---|---|---|---|---|---|
| AI1 | I intend to continue using this internet banking site in the future | 209 | 2 | 5 | 3.99 | 0.55 | |
| AI2 | I expect my use of this internet banking site to continue in the future | 209 | 2 | 5 | 4.00 | 0.51 | |
| AI3 | I will frequently use this Internet banking site in the future | 209 | 1 | 5 | 3.96 | 0.58 | |
| AI4 | I will strongly recommend others to use this Internet banking site | 209 | 1 | 5 | 3.94 | 0.61 | |
| AI5 | I am willing to spend more time to understand how to efficiently use Internet banking | 209 | 2 | 5 | 4.07 | 0.50 | |
| PROC1 | I am afraid that my data will be embezzled (misappropriated) | 209 | 1 | 5 | 3.06 | 1.10 | |
| PROC2 | I am afraid that my password will be divulged (disclosed) | 209 | 1 | 5 | 3.00 | 1.01 | |
| PROC3 | I do not believe that my personal account can be securely protected through the online transaction process | 209 | 1 | 5 | 3.43 | 0.80 | |
| PROC4 | I feel using internet banking still has the risk of incomplete transaction | 209 | 1 | 5 | 3.44 | 0.98 | |
| PROC5 | It is hard to discern the service quality of internet banking | 209 | 1 | 5 | 2.48 | 0.93 | |
| PROC6 | I am afraid to become a victim of malware (malicious software) | 209 | 1 | 5 | 3.81 | 0.75 | |
| PROC7 | I am afraid to become a victim of ransomware (access blocking malicious software) | 209 | 1 | 5 | 3.73 | 0.78 | |
| PROC8 | I am afraid to become a victim of hacking | 209 | 1 | 5 | 3.88 | 0.77 | |
| PROC9 | I am afraid to become a victim of phishing (electronic means of confidential data theft) | 209 | 1 | 5 | 3.89 | 0.69 | |
| PROC10 | I am afraid to become a victim of identity theft (obtaining financial or personal information of another) | 209 | 1 | 5 | 3.89 | 0.75 | |
| PROC11 | I am afraid to become a victim of consumer fraud (deceptive business practices causing customers financial losses) | 209 | 1 | 5 | 3.85 | 0.76 | |
| PU1 | Using Internet bank improves my financial transactions performance | 209 | 2 | 5 | 4.03 | 0.54 | |
| PU2 | Using Internet bank enhances my effectiveness on the financial transactions | 209 | 1 | 5 | 3.99 | 0.60 | |
| PU3 | Overall, I find the Internet bank useful in my financial transactions | 209 | 2 | 5 | 4.01 | 0.55 | |
| PU4 | Using Internet bank makes it easier to do my financial transactions | 209 | 1 | 5 | 3.92 | 0.70 | |
| PU5 | Using the Internet banking site has a critical role in supporting my banking activities | 209 | 2 | 5 | 3.84 | 0.65 | |
| PU6 | Using this internet banking site enables me to accomplish banking activities more quickly | 209 | 1 | 5 | 4.09 | 0.52 | |
| PU7 | Using this internet banking site makes it easier to do my banking activities | 209 | 2 | 5 | 4.05 | 0.59 | |
| PU8 | I find this internet banking site useful for my banking activities | 209 | 2 | 5 | 4.00 | 0.55 | |
| SP1 | I trust in the technology an online bank is using | 209 | 1 | 5 | 3.60 | 0.74 | |
| SP2 | I trust in the ability of an online bank to protect my privacy | 209 | 1 | 5 | 3.20 | 1.02 | |
| SP3 | I trust in an online bank as a bank | 209 | 1 | 5 | 3.20 | 1.06 | |
| SP4 | Using an online bank is financially secure | 209 | 1 | 5 | 3.36 | 0.87 | |
| SP5 | I am not worried about the security of an online bank | 209 | 1 | 5 | 3.02 | 1.04 | |
| PEOU1 | It is easy for me to learn how to use Internet banking site | 209 | 2 | 5 | 3.96 | 0.53 | |
| PEOU2 | I find it easy to get the Internet banking site to do what I want it to do | 209 | 2 | 5 | 3.94 | 0.54 | |
| PEOU3 | 35. My interaction with the Internet bank is clear and understandable | 209 | 1 | 5 | 3.90 | 0.62 | |
| PEOU4 | Overall, I find the Internet bank easy to use | 209 | 2 | 5 | 3.98 | 0.60 | |
| PEOU5 | It is easy to remember how to use this internet banking site | 209 | 1 | 5 | 3.97 | 0.62 | |
| PEOU6 | It is easy for me to become skilful at using an online bank | 209 | 1 | 5 | 3.79 | 0.70 |
Source(s): Table by authors
Sharing content requires targeting cookies to be enabled. Please update your cookie preferences to use this feature.