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Internet Banking Service

Saving

Complex

Selfuse

Triable

Techadv

Telebank

Constant

Negelkerke R2 = .298

.645

-.459

.425

.471

.669

.552

5.644

.216

.180

.207

.192

.164

.236

1.440

.003

.011

.041

.014

.000

.019

.000

Opinion leadership in technological matters (Techadv) and relative advantage for economic gains from timesaving (Saving) were significantly related to adoption intention at the 1% level. Customer learning requirements measured by perceived complexity (Complex), trialability (Triable), and compatibility (Selfuse) were found to be significant at the 5% level. Lastly, previous use of telephone banking usage (Telebank) was significant at the 5% level.

The best fitting model was as followings:

ln[odds]  =  -5.644  + .645(saving)

  - .459(complex) + .425 (selfuse)

           + .471(triable) + .66(techadv)

            + .552(telebank)

The logistic coefficient is interpreted as the change in the log odds (the ratio of the probability that an event will occur to the probability that it will not) associated with a one-

unit change in the independent variable. Examples are given in appendix II.

Goodness of Fit

Negelkerke R2 assesses the goodness of fit of all variables in the model in logistic regression analysis. This statistic quantifies the proportion of explained “variation” in the logistic regression model and is similar in to the R2 in a linear regression model (Norusis, 1999). The Negelkerke R2 was about 30% in this study, indicating that 30% of variability in dependent variable (adoption intention) was explained by the six variables in table 3.

Conclusion and Recommendation

This study yielded useful conclusions related to adoption of internet banking services.

Product design

Complexity and trialability are important factors that must be taken into account when designing an Internet banking web site. Transactions should be simple and user friendly. To ensure trialability, banks might offer online demonstrations that allows customers to try out the service, this can help alleviate fears that the service might be too complex. The design should also allow the addition of services like account opening and online loan

ABAC Journal Vol. 22, No.3 (September  - December, 2002), pp. 63 - 80

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