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4. H4: Perceived ease of use of the mobile banking has positive effect on
perceived usefulness of mobile banking The objective of hypothesis 4 is to identify whether Perceived Ease of
Use PEOU affects Perceived Usefulness PU of mobile banking or not. With probability value 0,003, less than 0,05, this hypothesis is accepted.
PEOU 35,9 affects PU and 64,1 affected by another variables. It supports the result of Chau 1996, Gardner and Amoroso 2004, and also Huang et
al. 2006.
5. H5: Perceived ease of use of the mobile banking has positive effect on
attitude toward using mobile banking. The objective of hypothesis 5 is to identify whether Perceived Ease of
Use PEOU affects attitude toward using mobile banking ATT of mobile banking or not. PEOU significantly affects ATT at probability level 0,03, less
than 0,05, so H5 is accepted. PEOU 23,5 affects ATT and 76,5 affected by another variables. It supports Chau 1996, Malholtra and Galletta 1999,
and also Huang et al. 2006 research.
6. H6: Perceived usefulness of mobile banking has a positive effect on attitude
toward using mobile banking. The objective of hypothesis 5 is to identify whether Perceived
Usefulness PU affects attitude towards using mobile banking ATT or not. Perceived usefulness PU significantly affects ATT with probability level is
less than 0,05, H6 is acceptable. PU 49,4 affects ATT and 50,6 affected
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by another variables. It supports Malholtra and Galletta 1999 and Huang et al. 2006 research.
7. H7: Perceived usefulness of mobile banking has a positive effect on
Behavioural intention toward using mobile banking. The objective of hypothesis 7 is to identify whether Perceived
Usefulness PU affects Behavioural Intention towards using mobile banking BI or not. PU significantly affects BI at probability level 0,003, less than
0,05, so H7 is accepted. BI affected by PU at 46 and 54 affected by another variable. It also supports Maholtra and Galletta 1999 research and
Huang et al. 2006 research.
8. H8: Attitude has a positive effect on behavioural intention toward using the
mobile banking. The objective of hypothesis 8 is to identify whether attitude toward
using mobile banking ATT affects Behavioural Intention towards using mobile banking BI or not. Attitude significantly affects behavioural
intention toward using the mobile banking at probability level 0,009, less than 0,05, H8 is accepted. ATT affects BI at 36,9 and 63, 1 affected by
another variable. It also supports Maholtra and Galletta 1999 and Huang et al. 2006 research.
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Figure IV.4 Coefficient Path of TAM
Key: PMV = Perceived mobility value PU = Perceived usefulness PEOU = Perceived ease of use
ATT = Attitude BI = Behavioral intention
PE = Perceived enjoyment
PMV PU
PEOU
PE ATT
BI
H2 0,504
H3 0,369
H4 0,359
0,003 H5
0,235 0,03
H6 0,494
H7 0,46
0,003
H8 0,369
0,009
Note: The figure shows the regression weight and probability level.
Source: Primary data processing 2011
H1 0,582
0,002
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CHAPTER V CONCLUSION
