International Journal of Human-Computer Studies
Building consumer trust online
Communications of the ACM
Extending the TAM for a World-Wide-Web context
Information and Management
Extending the technology acceptance model: the influence of perceived user resources
ACM SIGMIS Database - Special issue on adoption, diffusion, and infusion of IT
Trust Transfer on the World Wide Web
Organization Science
Developing and Validating Trust Measures for e-Commerce: An Integrative Typology
Information Systems Research
Understanding online purchase intentions: contributions from technology and trust perspectives
European Journal of Information Systems
Using Multivariate Statistics (5th Edition)
Using Multivariate Statistics (5th Edition)
The mediation of external variables in the technology acceptance model
Information and Management
Adoption of internet banking: an empirical study in Hong Kong
Decision Support Systems
What Trust Means in E-Commerce Customer Relationships: An Interdisciplinary Conceptual Typology
International Journal of Electronic Commerce
International Journal of Electronic Commerce
Journal of Management Information Systems
Re-examining perceived ease of use and usefulness
MIS Quarterly
Trust and TAM in online shopping: an integrated model
MIS Quarterly
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Extending research on the technology acceptance model TAM, this paper develops an extended model of TAM, which besides TAM's original predictors of perceived usefulness PU and perceived ease of use PEOU, includes trust TR as an additional belief factor to predict the behavioural intention BI to use an online banking information system OBIS. The model was tested on a sample of 353 internet users in Pakistan. Using structural equation modelling with AMOS data analysis showed that all the proposed paths were significant and the model explained 44.7% of the variance in BI. As per expectation, highly significant paths were observed between the additional new factor of trust and the PU, followed by PU and BI. These findings suggest that inclusion of an additional factor within TAM extends its capability and validity to predict the individual's acceptance behaviour towards OBIS.