Research Structure Using TAM Model

 

1️⃣ Title of the Study (Example)

"Factors Influencing the Adoption of Digital Banking Services in Jharkhand: A TAM-Based Approach."

2️⃣ Research Objectives

  • To analyze how Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) impact digital banking adoption.
  • To examine the influence of trust, security, and social influence on user acceptance.
  • To assess the role of demographic factors (age, education, income) in adoption behavior.

3️⃣ Literature Review (Referencing TAM & Related Studies)

📌 Discuss past studies on TAM and technology adoption in banking & fintech.
📌 Include studies on UPI, mobile wallets, AI-based banking, and e-commerce adoption.

4️⃣ Conceptual Framework (TAM Model Extension)

  • Independent Variables: PU, PEOU, Trust, Risk, Social Influence.
  • Dependent Variable: Behavioral Intention to Use (BI) and Actual Usage (AU).

📌 You can add moderating variables like income level, urban vs. rural banking behavior, etc.

5️⃣ Research Methodology

✅ Research Design: Quantitative (survey-based)
✅ Data Collection: Online & offline survey of 300+ respondents in Jharkhand
✅ Sampling Technique: Stratified random sampling (covering students, working professionals, and small business owners)
✅ Data Analysis Tools: SPSS/AMOS/PLS-SEM for hypothesis testing

6️⃣ Hypothesis Development (Example)

H1: Perceived Usefulness (PU) positively influences Behavioral Intention (BI) to adopt digital banking.
H2: Perceived Ease of Use (PEOU) positively influences PU and BI.
H3: Trust and security concerns negatively affect BI.
H4: Social influence positively impacts BI.

7️⃣ Data Analysis & Interpretation

  • Descriptive Statistics: Age, gender, education level, etc.
  • Reliability Analysis (Cronbach’s Alpha)
  • Factor Analysis (EFA/CFA)
  • Structural Equation Modeling (SEM) for hypothesis testing

8️⃣ Conclusion & Managerial Implications

  • Insights for banks, fintech startups, and policymakers to improve digital banking adoption.
  • Recommendations for enhancing trust, security, and user-friendly interfaces.

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