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An Application of TAM and TRI on the Factors Affecting Internet Banking Adoption in Bangladesh
Md. Iftekharul AMIN(Md. Iftekharul AMIN ),Nafis ERFAN(Nafis ERFAN ),Mashrur NAVID(Mashrur NAVID ),Mohammed Shafiul Alam KHAN(Mohammed Shafiul Alam KHAN ),Md. Shariful ISLAM(Md. Shariful ISLAM ) 한국유통과학회 2022 The Journal of Asian Finance, Economics and Busine Vol.9 No.9
This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn’t been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.
Mechanical Performance of 3D-Printing Plastic Honeycomb Sandwich Structure
Chun Lu,Mingxue Qi,Shafiul Islam,Ping Chen,Shuangsheng Gao,Yanrong Xu,Xiangdong Yang 한국정밀공학회 2018 International Journal of Precision Engineering and Vol.5 No.1
In this study, Bi-Grid, Tri-Grid, Quadri-Grid and Kagome-Grid honeycombs were designed and fabricated using 3D printing technology Sandwich composites were prepared by gluing the cores and composite face sheets together. Mechanical performance of the sandwich structures were characterized using finite element analysis and three-point bending test. Results indicate that when suffering from bending loads, the stress concentrations are located at the loading zone on upper face sheets (distributed in both sides of the indenter) and supporting zone on bottom face sheets, and the stress concentration zones of the honeycomb cores are located in the area that between indenter and supports. The failure mechanism of the Bi-Grid sandwich structure is interfacial de-bonding between composite face sheet and Bi-Grid core, and the failure modes of the Tri-Grid, Quadri-Grid and Kagome-Grid are core shear. The mechanical performance of Quadri-Grid sandwich structure is better than that of the other three structures.