User Intentions and Actions Towards Adoption of Technology Based Self-Service Banking Services: A MANOVA Analysis

Abstract

Significance of perceived characteristics on intentions and actions towards technology-based self-service banking adoption in Sri Lankan commercial banks is being examined in this research. Students of University of Kelaniya, who are in possession of self-service banking facilities have been selected as the respondents of this study. Properly completed 268 research questionnaires were considered for data analysis. Technology acceptance model and theory of reasoned action have been adopted in conjunction for the research and constructs of the variables were measured using a five-point Lickert scale. MANOVA test, ANOVA with contrast tests and discriminant analysis for differentiation of variates were also used as analysis tools. Empirical evidence of the study supported both the hypotheses suggesting the significance of perceived characteristics and specified the importance of perceived ease of use, particularly. Restrained sample was a limitation of the current study. Nonetheless, findings of the research would be advantageous in uplifting the level of self-service banking adoption within Sri Lankan commercial banks. Multivariate analysis, incorporation of models that explains human behaviour towards technology adoption would contribute to originality of the research. In conclusion, future researches extending to different contexts by integrating similar models are necessitated in search of afresh findings.