Influence of Perception in Using Innovation Affecting the Intention in Using Online Banking of the Residents in Bangkok during COVID-19

Abstract

The objectives of the research were 1) to study innovation that the users perceived the online banking services in Bangkok, 2) to investigate intention in using online banking services of the residents in Bangkok during COVID-19, and 3) to expect the intention in using online banking services of the residents in Bangkok by analyzing through the perception of the innovation and various perception factors: the ease, the risk, the benefits, and the reliability in using the innovation. This research consisted of the quantitative research and the predictive research. The quantitative research was used to study in-depth knowledge and understanding Bangkok residents in using the online banking services. The data were analyzed by using the statistics: percentage, mean, and standard deviation. The predictive research was used to predict the intention in using online banking. The data were analyzed by using multiple regression analysis and collected from 345 samples who answered an online questionnaire by themselves.

The research findings were as follows.

Most of the residents in Bangkok using online banking services were influenced from the benefits perceived with the mean score of 3.34, followed by the perception of the ease in using the innovation with the mean score of 3.30, and the perception of the reliability with the mean score of 3,24, respectively. Finally, the research achievement was used to create a predictive model by using a multiple regression model to be Y (the intention to use the services) = .641 + .322 (the perception of the ease) + .329 (the perception of the benefits) + .152 (the perception of the reliability). The three factors influenced the prediction at 53.70% (R-Square = .537).