Perception and prediction of intention to use online banking systems

An empirical study using extended TAM


  • Sk Alamgir Hossain Center for Modern Information Management, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China
  • Yukun Bao Center for Modern Information Management, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China
  • Najmul Hasan Center for Modern Information Management, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China
  • Md Farijul Islam Department of Business Administration, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China



Online banking, Emerging economies, Extended TAM, Intention to use, Bangladesh.


Online banking has become a vital instrument for delivering quality and easily reached banking services at the lowest possible time with ensuring affordability both for customers and service providers. Although this banking has huge potentials and benefits, the successful adoption of online banking remains a significant challenge in the context of an emerging economy like Bangladesh. The purpose of this empirical study is to investigate the factors influencing the online banking services adoption in Bangladesh by using the extended Technology Acceptance Model (TAM) with government support and risk factors. A questionnaire survey method was used to collect data from 380 banking customers.  To analyse the collected survey data and test the set of hypothesis, a structural equation modelling (SEM) method was used with the help of SmartPLS3 package. The results illustrate that perceived ease of use, perceived usefulness, attitude towards use, government support positively influence the intention to use as well as the intention to use positively impact on intention to continue to the adoption of online banking services. However, the relationship between risk and intention to use was statistically insignificant. Finally, the findings may assist banking professionals and programmers to develop and design successful policies regarding online banking services to boost this service industry in the future.


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How to Cite

Hossain, S. A., Bao, Y., Hasan, N., & Islam, M. F. (2020). Perception and prediction of intention to use online banking systems: An empirical study using extended TAM. International Journal of Research in Business and Social Science (2147- 4478), 9(1), 112–126.