Research Article Open Access

MODELING PERCEIVED USEFULNESS ON ADOPTING ON LINE BANKING THROUGH THE TAM MODEL IN A CANADIAN BANKING ENVIRONMENT

Abstract

Actually Internet is a powerful device that completes with satisfaction all other traditional channels used by banks. Based on the Technology Acceptance Model this paper focuses on the importance of the impact of two external latent variables ‘Price’ and ‘Convenience’ on the latent variable ‘Perceived Usefulness’ of online banking in a Canadian environment; the model highlights the predictive importance of this model and the accuracy of the results. Based on previous investigations in Spain the results are quite similar for the Canadian on-line banking environment and results explain without any doubt the level of ‘Perceived Usefulness’ in the TAM Model. Conclusions and recommendations are provided for future research.

Jean-Pierre Lévy Mangin, Normand Bourgault, Mario Martinez Guerrero, José Manuel Ortega Egea

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