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Technology Readiness Index (TRI) Factors as Differentiating Elements between Users and Non Users of Internet Banking, and as Antecedents of the Technology Acceptance Model (TAM)

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ENTERprise Information Systems (CENTERIS 2011)

Part of the book series: Communications in Computer and Information Science ((CCIS,volume 220))

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Abstract

The scope of this work covers the study of models developed for assessing critical aspects of consumer use and acceptance of technology-based products and services. We used the Technology Acceptance Model (TAM), and the Index of Readiness for the use of Technology (TRI) as theoretical references. We carried out field research on Internet banking users in order to: (1) evaluate the differences between the groups in terms of predisposition towards technology using the TRI model; and (2) test whether the influencing factors of this model could be antecedents to the main construct of the technology acceptance model (TAM). The analyses showed that for proposal (1), three of the four dimensions, - optimism, insecurity and discomfort, - presented significant differences between the groups; and for proposal (2), the factor ´optimism‘, a positive view of technology, was observed to be a significant antecedent of the intention to use on-line services.

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Authors and Affiliations

  1. Centro de Pesquisa e Pós-Graduação em Administração (UFPR/CEPPAD), Universidade Federal do Paraná, Av. Pref. Lothário Meissner, 632, CEP 80.210.170, Curitiba, Paraná, Brazil

    Péricles José Pires & João Carlos da Cunha

  2. DF e Faculdades Alfa Goiânia, IBMEC Brasília, QRSW, 2, bloco B4, AP. 103, CEP 70675-224, GO, Brazil

    Bento Alves da Costa Filho

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  1. Péricles José Pires
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  2. Bento Alves da Costa Filho
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  3. João Carlos da Cunha
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Editor information

Editors and Affiliations

  1. Polytechnic Institute of Cávado e Ave, 4750-810, Vila Frescainha S. Martinho, BCL, Portugal

    Maria Manuela Cruz-Cunha

  2. University of Trás-os-Montes e Alto Douro, 5001-801, Vila Real, Portugal

    João Varajão

  3. Birkbeck, University of London, WC1E 7HX, London, UK

    Philip Powell

  4. School of Technology and Management, Polytechnic Institute of Leiria, 2411-901, Leiria, Portugal

    Ricardo Martinho

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© 2011 Springer-Verlag Berlin Heidelberg

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Pires, P.J., da Costa Filho, B.A., da Cunha, J.C. (2011). Technology Readiness Index (TRI) Factors as Differentiating Elements between Users and Non Users of Internet Banking, and as Antecedents of the Technology Acceptance Model (TAM). In: Cruz-Cunha, M.M., Varajão, J., Powell, P., Martinho, R. (eds) ENTERprise Information Systems. CENTERIS 2011. Communications in Computer and Information Science, vol 220. Springer, Berlin, Heidelberg. https://doi.org/10.1007/978-3-642-24355-4_23

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  • DOI: https://doi.org/10.1007/978-3-642-24355-4_23

  • Publisher Name: Springer, Berlin, Heidelberg

  • Print ISBN: 978-3-642-24354-7

  • Online ISBN: 978-3-642-24355-4

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