The Innovation Diffusion Theory

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Next, Venkatesh and Davis (2000) developed TAM2 to predict the adoption of an information technology . They added social influences (subjective norm, voluntariness, and image) into the model. Further, Job relevance, Output quality, Result demonstrability, and Perceived ease of use grouped into cognitive instrumental processes also was added in as showing in figure below (Figure 4). The authors use the construct of subjective norm to capture social influences. Their meaning of subjective norm is predictable with that in TRA (Fishbein and Ajzen, 1975). In compulsory contexts, TAM2 advises that the intention is directly impacted through the mechanism of compliance by subjective norm.
TAM2
On the off chance that an individual sees that an imperative
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Technology Acceptance Model 2
The Innovation Diffusion Theory

The Innovation Diffusion Theory (Rogers, 1995) has been used to analysis an assortment of innovations. Rogers points out five aspects of an innovation that affect the adoption and acceptance behavior: relative advantage, complexity, compatibility, trialability, and observability.
Relative Advantage: how much an innovation is seen as being superior than its antecedent. It emphasizes the individual’s understanding the innovation as advantageous. Relative advantage’s degree might be measured in economic term but other factors such as social wide respect, satisfaction, convenience are also critical components too.
Complexity: how much an innovation is seen as being hard to understand and use. The adoption rate is depended on the simplicity or complexity the innovation is.
Compatibility: How much an innovation, from potential adopter’ s perceiving, is seen as being matching with his or her existing values, needs and what his or her has experienced. The more compatible the innovation is, the more rapidly it adopts.
Trialbility: how much an innovation might be trial or experimented with. The innovation which could be sampled and tested seems to be adopted more quickly than one which could not, as the potential adopter could learn by
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“Determinants of User Acceptance of Internet Banking: An Empirical Study”. International Journal of Service Industry Management .2003 Determinants of user’s acceptance of internet banking Technology Acceptance Model -Trust/Perceived credibility 

-Perceived usefulness 

-Ease of use 
computer self-efficacy intention
Results:
The higher computer self-efficacy the users have, the more positive usefulness and ease of use beliefs but the more negative credibility beliefs about internet banking the users have. The findings pointed out the relationship between computer self-efficacy, perceived ease of use and its extend generalizability and internet banking. These findings also matched with the previous research’s result. Moreover, the computer self-efficacy impacts negatively on perceived credibility but its aggregate effects positively on behavioral intention.

Studies Research Title Model Factors

Suh et al. , ”Effect of trust on customer acceptance of Internet banking”, Electronic Commerce research. 2002 Effect of trust on customer acceptance of Internet banking Technology Acceptance Model -Trust 

-Perceived

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