Browsing by Author "Damunupola, K.A."

Filter results by typing the first few letters
Now showing 1 - 2 of 2
  • Thumbnail Image
    Item
    Impact of Subjective Norms on E-Banking Adoption: A Multivariate Analysis
    (International Postgraduate Research Conference 2019, Faculty of Graduate Studies, University of Kelaniya, Sri Lanka, 2019) Nayanajith, D.A.G.; Damunupola, K.A.
    Technological advancements positively affect economic progression and development of countries in the long run. One of the broadly studied areas of technological transformation is the retail financial services which includes consumer banking activities with reference to the wide-ranging service sector of the country. E-banking enables customers to experience a vast array of financial services instantly with any-time access to the particular user. Nevertheless, in practice; this phenomenon is dependent on the particular context. Primary objective of the study is to identify the significance of subjective norm (SN) towards user intentions and actions on adoption of e-banking (AoEB). Secondly, it is necessitated to identify the differences in between 3 SN groups (SN-friends, SN-family and control group-No SN) towards intentions and actions on AoEB. Sample was drawn from the students of Uwa Wellassa University (UWU) those who are using e-banking services. Initially, 400 questionnaires were distributed and 279 duly completed questionnaires were considered for the final data analysis. Conceptual model was formulated by referring to theory of reasoned action (TRA) and dimensions of the variables were measured by five-point Lickert scale. In analyzing data, MANOVA test was followed by ANOVA with contrast tests and discriminant function analysis. MANOVA test results indicated that SN can have a significant effect on AoEB and the significant univariate ANOVAs suggested that this may be in terms of either a combination or individual thoughts/behaviours. Furthermore, it was noted that friends SN is better at changing both actions and intentions on AoEB. Subsequently, observed that both the hypotheses have been supported by the empirical evidence. Accordingly, No SN group can be distinguished from the two groups using the variate that has opposite effects on intentions and actions on AoEB. Also, the friends SN and family SN groups can be distinguished by the variate that has similar effects on intentions and actions. Consequently, friends SN is better than both No SN and family SN, regardless of whether it’s more important to consider intentions or actions. Empirical evidence contributes towards theoretical and practical perspectives given the particular context, method and usability of the results towards commercial banks, policy makers and e-banking system developers. As respondents were the students of the UWU, it could be possible to obtain different results had the study being conducted in another context as the respondents may not exactly replicate the whole Sri Lankan e-banking customers of the selected private commercial banks. Meanwhile, as there were restrictions due to time and other resources, future researches could be performed with improved representation of the entire population to validate the research findings in different country, cultural, social, industry and economic sector contexts by incorporating different models, perspectives and variables
  • Thumbnail Image
    Item
    Perceived Trust of E-Services, Perceived Usefulness and Adoption of E-Banking in the Context of Sri Lankan Private Sector Banks: A Relational Study
    (International Postgraduate Research Conference 2019, Faculty of Graduate Studies, University of Kelaniya, Sri Lanka, 2019) Nayanajith, D.A.G.; Dissanayake, D.M.R.; Weerasiri, R.A.S.; Damunupola, K.A.
    The primary objective of the study is to examine the relationship of perceived usefulness and perceived trust of e-services on adoption of e-banking in Sri Lankan context. Sample was drawn from the students of University of Kelaniya, those who are possessing e-banking facilities of private banks. Sample was selected out of the university students in view of the time constraints. Respondents were selected using simple random sampling as per registration numbers. Initially 500 questionnaires were distributed and 305 duly completed questionnaires were considered for the final data analysis process. Determinant factors on perceived trust of e-services were identified by conducting principal component analysis. TAM has been extended by using the perceived trust of e-services variable. In order to test the hypotheses correlation analysis followed by multiple regression analysis using hierarchical method along with diagnosis tests for outliers, residuals, influential cases, were performed whilst supplementary statistical tests, such as trend analysis and contrast test of ANOVA were also used for further analysis of demographic characteristics. The empirical evidences supported first and second hypotheses indicating the positive relationships of perceived trust of e-services and perceived usefulness variables towards e-banking adoption. Furthermore, it was revealed that there are differences between socio-demographic characteristics; namely, age, education, occupation, banking experience and e-banking adoption. Third hypothesis stating the existence of differences in adoption of e-banking between lower income category customers and higher income category, was also supported. Constrained sample selection and time restrictions are limitations of the present study. Nevertheless, extending of TAM in relation to present research context, could be recognized as the originality of the research. Findings would be beneficial for Sri Lankan bankers and banking application developers in view of promoting e-banking adoption level in Sri Lanka. In conclusion, future researches could be conducted in varied contexts in the field of technology adoption in search of novel findings.