The Amalgamation of Technology Acceptance Model and Diffusion of Innovations Theory: A Revelation of Behavioral Intentions to Use Internet (i-net) Banking


  • Faheem Ahmad Khan Assistant Professor, Department of Management Sciences, COMSATS University Islamabad, Wah Cantt, Pakistan
  • Muhammad Umer Quddoos Assistant Professor, Department of Commerce Bahauddin Zakariya University, Multan, Pakistan
  • Amir Rafique Department of Management Sciences, COMSATS University, Islamabad, Pakistan.
  • Arslan Ahmad Siddiqi General Manager, Institute of Industrial and Control System, Karachi, Pakistan.



Perceived Ease of Use, Perceived Usefulness, Attitude, Intentions to Use i-net banking, Technology Acceptance Model, Diffusion of Innovations Theory



Purpose: The aim of this research is to add to the current knowledge in the arena of Internet (i-net) banking and to aid decision-makers have a better understanding of the effect of perceived ease of use and perceived usefulness on behavioral intentions to use i-net banking.

Design/Methodology/Approach: A research model was developed based on the Technology Acceptance Model and Diffusion of Innovations Theory. Data were obtained from a sample of 239 i-net banking service users using convenience sampling. Statistical Package for the Social Sciences (SPSS) version 22.0 and Analysis of Moment Structure (AMOS) version 22.0 was used for the data analysis.

Findings: It has been found that perceived ease has an insignificant relationship with behavioral intentions to use i-net banking services whereas perceived usefulness has a positive significant impact on behavioral intentions to use i-net banking services. This study provides empirical evidence to show that consumers’ attitude mediates the relationships between perceived ease of use, perceived usefulness, and behavioral intentions to use i-net banking services.

Implications/Originality/Value: From a managerial perspective, an individual develops an attitude based on certain beliefs and as a result, develops an intention for consumption. This study helps decision-makers to have a better understanding of the process behind the development of behavioral intentions to use i-net banking services. Finally, limitations and future direction are discussed.


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How to Cite

Khan, . F. A., Quddoos, M. U., Rafique, A. ., & Siddiqi, A. A. . (2023). The Amalgamation of Technology Acceptance Model and Diffusion of Innovations Theory: A Revelation of Behavioral Intentions to Use Internet (i-net) Banking. Pakistan Journal of Social Sciences, 43(3), 347-360.