FACTOR AFFECTING ACCEPTANCE OF TECHNOLOGY IN FINANCIAL SECTOR (CASE OF KPK)

Abstract

This study examines factors that influence technology acceptance with mediating role of behavioral intention to use. Quantitative research approach has been use in this research and data was collected from approximately 196 participants. The results indicate that perceived ease of use (PEU), perceived usefulness (PU), perceived risk (PR) significantly impact behavioral intention to use (BITU) but more surprisingly behavioral intention to use do not have any influence on technology acceptance, These finding indicate that while users may intended to use technology due to its usefulness, easy to use functions, and low risk but this intention does not necessarily translate to actual usage of technology their must be certain other factors. Results having implication for the complex factor that influence technology acceptance and the need for future researchers to explore some other factors that may influence the technology acceptance.