Effect of Perceived Usefulness, Ease of Use, Security and Privacy on Customer Attitude and Adaptation in the Context of E-Banking

This study proposes a conceptual framework to investigate the effects of perceived usefulness, perceived ease of use, security and privacy on customer adaptation mediated through customer attitude in the context of e-banking. Structural equation modeling techniques have been applied to data collected from 227 customers of private commercial banks in Bangladesh. Primarily this study aims to test theoretical models to measure the causality whether perceived usefulness, ease of use, security and privacy, and customer attitude actually foster customer adaptation. The initial results of the study indicate that these factors are significantly and positively related to customer adaptation.