Reasoned Action Literature Review

2635 Words11 Pages
CHAPTER 2 LITERATURE REVIEW 2.0 INTRODUCTION Within the internet banking services, researcher has indicated various determinants or drivers that had a positive effect on factor influences the acceptance the decision. Three widely used models or theories are reviewed and discussed in relation to internet banking services. These are theory of Theory of Reasoned Action (TRA), Theory of Planned Behaviour (TPB), Diffusion of Innovation Theory (DOI) and Technology Acceptance Model (TAM). In the chapter, these theories are reviewed from prior studies and an attempt is made to identify the most suitable framework for this research. 2.1 Theory of reasoned action The theory of reasoned action is developed in the late 1960s by Martin Fishbein and…show more content…
According to Madden, Ajzen & (1986), TPB is referring to the individual perception of the presence or absence of the required resources or opportunities that need to perform specific acts. In addition, this theory also is intended to explain all behaviour on those who have the ability to impose self-control. As in the TRA, it includes behavioural attitudes, subjective norms; intention to use and actual use but in functional TPB is the application of this theory. This theory interprets behavioural control as a perceived construct. Perceived behavioural control mediates the effects of control belief and perceived facilitation. Control belief is defined as individual’s self-confidence in his or her ability to perform a behaviour, similar self-efficacy (Bandura, 1977) and perceived facilitation, which is defined as individual’s assessment of the importance of those resources to the achievement of outcomes (Ajzen & Madden, 1986). Figure 2, show that framework that it has an additional variable and it is found more widely used than…show more content…
Source: Ajzen, 1991 2.3 Diffusion of Innovation Theory Diffusion of innovation (DOI) theory is developed by E. M. Rogers in 1962. This theory is one of the oldest social science theories. It originated in communication to explain how, over time, an idea or product gains momentum and diffuses through a specific population or social system. In this theory, Rogers say that individuals collect and synthesis information about an innovation and compiling this information forms their perceptions about innovation. Based on these perceptions, an individual may decide to accept or reject an innovation (Agarwal & Prasad, 1997). Roger’s (1983) postulated that innovation is more likely to be adopted: I. Relative advantage - the degree to which an innovation is perceived to be better than idea it supersedes. II. Compatible - the degree to which an innovation is consistent with the existing values. III. Complex - the degree to which an innovation is hard to understand and use IV. Trialled - the degree to which an innovation can be experimented V. Observed - the degree to which the result of an innovation is
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