Factors Determining Attitude On The Adoption Of Digital Banking – Assessment Of Tam Model

This paper focused to identify various factors determine usersattitude to adopt digital banking system. The study drawn variables from Technologyacceptance model and Perceived security is added to the existing variables in TAM which isconsidered as gap in the in the existing theory and literature which gained much significanceto adopt Digital Banking. The research attempts to explore perceived security on attitudeand intention to usage of digital bankingMethods/Statistical Analysis: The data is collected from the people who uses online Banktransactions in Chennai. The 624 digital banking users participated in the questionnairesurvey method.Convenience sampling method is followed to choose the respondents.Themost significant factor which cause the attitude of users towards Digital Banking areidentified which inturn leads to Behavioral Intention. The Analysis is done usingSEM(Structural Equation Modelling) analysis through SPSS 21.Findings: The structural equation model analysis proved to be perfectly fit model . TheModeration effect of demographic factors between study variables and attitude is alsoexamined. It was found that gender does not have any influence with respect to attitudetowards usage of Digital Banking, whereas the age and educational qualification havesignificant difference with respect to Attitude of using Digital Banking. Age does not haveany moderation effect between perceived security and attitudeApplications/Improvements: The usage of Digital Banking is growing much importancedue to the advancement of technology ,technical literacy and infrastructure for usage ofinternet facilities in past 5 years.The digital banking habits can be increased among publicthrough proper security measurement and protection of their transactions