Information Technology Reference
In-Depth Information
Usefulness
H
Service
Quality
H
H
H
H
Intention to use
Security
Trust
H
H
Design
Aesthetic
H
Ease of use
Fig. 10.2
The proposed hypotheses (H) model for the mobile payment (m-payment) applications
10.2.1 Data Collection for Internet Banking Websites
The research methodology on the internet banking websites was divided into two
parts: (1) to survey the five most common tasks of internet banking, and (2) to use
these to then test the websites with the participants (university students).
Our preliminary test was conducted to identify the top five banks and top five
common tasks. To this end, 130 randomly selected university students, comprised
of 38 males and 92 females, were asked to fill out a questionnaire. The question-
naire consisted of 40 questions that included personal information, their frequently
used bank(s) and frequently used tasks. From the answers to these questions, the top
five banks and the top five tasks were derived and are reported in Tables
10.1
and
10.2
, respectively. The top five banks and top five tasks from Tables
10.1
and
10.2
were then to be used for the next experiment, to collect data for a regression
analysis, but one of the top five tasks was excluded (see below). In this experiment
175 randomly selected university students (58 males and 117 females) were asked
to fill out a new questionnaire. Their ages were between 18 and 25 years old. The
questionnaire contained two sections to cover all eight perspectives. The first
section was the demographic characteristics of the participants, whilst the second
section was the participant's attitude towards each internet banking website. Within
this second section were eight parts: to measure the reliability, functionality,
efficiency, ease of use, design, learnability, satisfaction and security.
The participants were requested to evaluate the level of their agreement with each
scale item on a four points Likert scale from disagree (1), somewhat disagree (2),
somewhat agree (3), and agree (4). Questions in the questionnaire were selected from
conventional works (Hornbaek
2006
; Abran et al.
2003
;Bevan
2001
;Garvin
1987
;
