Assessing the Introduction of Electronic Banking in Sudan Using the Technology Acceptance Model TAM

Abstract

This study analyzed the introduction of EB in Sudan by assessing the customer’s intention to use EB services. Technology acceptance model (TAM) has been chosen as a model for this study, because it is a well tested model concerning users’ acceptance of technology. The technology acceptance model consisted of many variables, the perceived ease of use (PEOU) and the perceived usefulness (PU), the intention to use (attitude) as independent variables and the electronic banking usage as a dependant variable.

TAM was developed with an added construct perceived electronic banking security and privacy (PSP) as a basic construct and age, qualifications and the treatment period with the bank as external variables. A questionnaire was designed and tested using SPSS statistical program and obtained a response rate of 71%. The data was analyzed to evaluate the strength of the hypothesized relationships among the constructs of the model. The results provide support of the extended (TAM) model and confirm its validity in predicting and assessing customers’ intention to use e. banking in Sudan. The findings of the study provide useful information for bank management in formulating e. banking marketing strategies.