Study of Determinants of Behavior Intension in Online Banking of Bangladesh

Purpose –This study was based on the TAM and the trust of Bangladeshi in social impact, privacy and security, compatibility, perceived-ease of use, and perceived-usefulness. The purpose of this study is to investigate how these variables affect the acceptance of online banking. Research design, data, and methodology – Internet survey was conducted for individuals who had experience in using the online banking service, and those who have no experience in online banking were excluded from the analysis. The questionnaire was distributed to Bangladesh respectively, and data were collected. Result – Trust is the variable that has the greatest influence on the adaption of online banking service. Perceived-usefulness was found to have a important effect on individuals behavioral-intention towards the adopting of online Banking services in Bangladesh. It was also found that compatibility, privacy and security were important predictors. Conclusion – The TAM model, which explains individual behavioral intentions toward adopting online banking services in Bangladesh, is sufficiently applicable. Perceived ease of use found an important predictor of trust. Evidently, the current conclusions provide empirical evidence that customers would be more willing to adopt online banking services if they find it useful and reliable. Another very important constructive correlation between trust and perceived-usefulness, suggesting that consumers who realize that online banking is safe and useful.