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Money Transfer
Fig. 10.5
Captured screens of mPay for money transferring task
That the reliability and security factors seem to have no significant effect on the
participant's intention to use the application is because many of the participants
think that these websites are official websites that have a good reputation and are
safe and secure. Therefore, they intend to use these websites no matter how reliable
they are as they believe that they are safe and secure. Another reason might be due
to prior experience, as all the participants had no prior experience in internet
banking and so may not have any ideas about security issues.
With respect to the six factors that did have a significant effect upon the
participant's intention to use, the efficiency factor was mainly correlated with the
intention to use factors, since the participants preferred to have a quick response and
a high efficiency website. The ease of use factor had a high effect as participants
commented that ease of use is an important key factor and is their main criteria in
deciding if they intend to use any given internet banking website or not.
Functionality was important as participants were required to use a variety of
different functions. Many internet banking websites provide common functions,
such as balance checking and fee payment, but some provide functions that others
do not provide, such as a calculator.
The learnability factor affected the intention to use factor as when participants
had problems using the website, they looked for FAQ or the help menu for an
example of how to do the tasks. In particular, fee payment was a difficult task for
some participants. Thus, having help functions will enhance the user learnability
and make the user continue to use the website.
The design aesthetic factor was also significant as participants agreed that a well
designed website catches their attention and interest more. That might be one of the
reasons why internet banking websites try to be different from each other in terms
of their design. As a consequence, the satisfaction factor has an effect on intention
to use factor.
