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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.
Effect of Constitutive Material Models on Seismic Response of Two-Story Reinforced Concrete Frame
Alam, Md. Iftekharul,Kim, Doo-Kie Korea Concrete Institute 2012 International Journal of Concrete Structures and M Vol.6 No.2
This paper focuses on the finite element (FE) response sensitivity and reliability analyses considering smooth constitutive material models. A reinforced concrete frame is modeled for FE sensitivity analysis followed by direct differentiation method under both static and dynamic load cases. Later, the reliability analysis is performed to predict the seismic behavior of the frame. Displacement sensitivity discontinuities are observed along the pseudo-time axis using non-smooth concrete and reinforcing steel model under quasi-static loading. However, the smooth materials show continuity in response sensitivity at elastic to plastic transition points. The normalized sensitivity results are also used to measure the relative importance of the material parameters on the structural responses. In FE reliability analysis, the influence of smoothness behavior of reinforcing steel is carefully noticed. More efficient and reasonable reliability estimation can be achieved by using smooth material model compare with bilinear material constitutive model.
Effect of Constitutive Material Models on Seismic Response of Two-Story Reinforced Concrete Frame
Md. Iftekharul Alam,Dookie Kim 한국콘크리트학회 2012 International Journal of Concrete Structures and M Vol.6 No.2
This paper focuses on the finite element (FE) response sensitivity and reliability analyses considering smooth constitutive material models. A reinforced concrete frame is modeled for FE sensitivity analysis followed by direct differentiation method under both static and dynamic load cases. Later, the reliability analysis is performed to predict the seismic behavior of the frame. Displacement sensitivity discontinuities are observed along the pseudo-time axis using non-smooth concrete and reinforcing steel model under quasi-static loading. However, the smooth materials show continuity in response sensitivity at elastic to plastic transition points. The normalized sensitivity results are also used to measure the relative importance of the material parameters on the structural responses. In FE reliability analysis, the influence of smoothness behavior of reinforcing steel is carefully noticed. More efficient and reasonable reliability estimation can be achieved by using smooth material model compare with bilinear material constitutive model.
김두기,Md Iftekharul Alam,김기홍,한영성 한국구조물진단유지관리학회 2012 한국구조물진단학회 학술발표회논문집 Vol.2012 No.1
The difference in phase and amplitude of ground motions recorded in different locations is generally known as spatial variation of seismic ground motions. This study focuses on the effects of spatial variation of earthquake ground motion on responses of adjacent buildings. The adjacent frame buildings are modeled considering soil-structure interaction (SSI) so that all the buildings can have interaction with each other under non-uniform ground motions. Based on Fast Fourier Transformation, spatially correlated non-uniform ground motions are generated compatible with known spectrum density function at different locations. Numerical analyses are carried out and the results are presented in terms of related parameters affecting the structural response using three different types of soil site classes. The results show that the effects of ground motion spatial variation are different for different site classes. The effect is more significant on rock site rather than clay site.
김두기,Md Iftekharul Alam,조성국 한국구조물진단유지관리학회 2012 한국구조물진단학회 학술발표회논문집 Vol.2012 No.1
This paper presents the finite element (FE) response sensitivity and reliability analyses considering smooth constitutive material models. A reinforced concrete (RC) frame is modeled for FE sensitivity analysis followed by direct differentiation method (DDM) under both static and dynamic load cases. Later, the reliability analysis is performed to predict the seismic behavior of the frame. Displacement sensitivity discontinuities are observed along the pseudo-time axis using non-smooth reinforced steel model under quasi-static loading. However, the smooth steel material shows continuity in response sensitivity at elastic to plastic transition points. The normalized sensitivity results are also used to measure the relative importance of the material parameters on the structural responses. In FE reliability analysis, the influence of smoothness behavior of reinforced steel is carefully noticed. Cumulative distribution function (CDF) curves have shown minor change of failure probabilities due to the smoothness effect.