Understanding Factors Affecting User Intentions towards Using SMS Alert Services During Banking Transactions

This study's purpose is to show the causal relationship among user reactions towards using SMS alert services and their intentions to use these SMS alert services within banking transaction processes. With establishing an extended conceptual framework based on the Technology Acceptance Model TAM, researchers can refer and relate to for future studies. This study is based on a consumer survey, where 1300 people were questioned based on their perception towards SMS alert services. It was found that that perceived ease-of-use and perceived utility have a significant positive effect on the usage attitude, well as perceived credibility has a slight significant effect on the usage attitude towards SMS alert services.