Consumer Acceptance of Online Banking Research Proposal

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Employees and even customers often feel reticent to engaging in open communications. In order to reduce this reticence and stimulate cooperation, the following actions will be undertaken:

construction of the questionnaire and the interview questions in such a means that they are easy to understand and easy to respond formulation of the questionnaire and the interview questions in a means that their completion does not take more than 10 minutes allowing the respondents to maintain their anonymity by not demanding them to put in their names, unless they want to; however, the respondents will have to state their relationship with the bank -- manager, staff member, current customer or prospective client the interview will be conducted only with the employees of the bank and the customers coming in throughout the five days spent within the bank; nevertheless, it is important to make the questionnaire available to a palette of individuals as wide as possible; it is as such necessary to send the questionnaires to the homes of the Omani citizens and ask them to complete them and then send them back to ensure that the completion of the questionnaire does not represent an unpleasant, time and money consuming task for the respondents, while in the same time protecting the anonymity of the respondents, I will send an envelope containing the efficiently structured questionnaire to the home of the Omani citizens; the envelope will also include a statement reassuring the confidentiality of the information as well as another envelope, already stamped, to be returned to me, free of any charge for the respondents (Harris and Benson, 2006)

The essence of the questionnaires and the interviews will be based on the model used by Sabah Abdullah Al-Somali, Roya Gholami and Ben Clegg, revealed in the following diagram:

Source: Al-Somali, Gholami and Clegg

The explanation for the methodology model:

there are six nods, each representing a category of factors influencing consumer acceptance of internet banking the first nod stands for customer awareness of the online service and its perceived benefits, which generally impact customer acceptance in a positive manner (H1)

the second nod stands for security, which also impacts customer acceptance in a positive direction as it increases the perceived ease of use (H2)

the third nod is given by the quality of the internet connection, which also increases the perceived ease of use and increases customer acceptance (H3)

the fourth nod represents the trust customers have in the bank and the customer acceptance is highly sensitive to trust, evolving in the same direction (H4)

the fifth nod is represented by demographic characteristics and is important due to the following attributes: consumers of younger ages are more likely to accept online banking (H5); consumers with higher levels of annual incomes are also less likely to accept online banking (H6); in terms of gender, males are more likely to adopt internet banking (H7); better educated consumers will adopt online banking, whereas less educated individuals will prefer traditional operations (H8);

the last set of connections brings into discussion the ease of use and links it to other values: the ease of use impacts the perceived usefulness of online banking (H9); perceived usefulness of online banking positively impacts the usage of internet banking (H10); perceived ease of use positively impacts the attitude towards online banking (H11) a favorable attitude has a positive influence on the intention to use and accept internet banking (Al-Somali, Gholami and Clegg).

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2. Secondary Research

The second method of gathering sufficient information on the means in which the Omani customers respond to the online banking services is that of assessing the data already collected by other researchers. Over the previously presented method of primary research, this secondary approach has the benefit of implying less tedious work. Nevertheless, it has the limitation of relying entirely on the findings of others, possibly coming to biased conclusions and unoriginal findings. Other disadvantages include a lack of familiarity with the data presented by other authors or an increased complexity of the information (Bryman and Bell, 2007). Given this situation, the most adequate methodological approach is that of a combined analysis through both primary as well as secondary research.

7. Research Layout

Another important step is that of forming the structure of the research report to be completed. This will be organized into eight sections, including the.....

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