Struggling airlines can save cost and improve profits by selling tickets online. While global sales of air e-tickets have grown over time, they are mostly from advanced nations. In developing markets like Malaysia, e-ticket sales are substantially lower. Hence, this study sets out to examine the factors that determine consumers’ intentions to buy air e-tickets. The factors include the disadvantage and advantage of buying air e-tickets, represented by perceived risk and perceived usefulness, respec-tively. The results show that Malaysian consumers’ perceptions of risk outweigh the perceived use-fulness of e-ticketing, and negatively affect intentions to buy air e-tickets. Perceived risk also has a negative effect on perceived usefulness, making usefulness insignificant to buying intention online. These findings imply that for Malaysian consumers, perceived risk far outweighs perceived usefulness where intention to buy air e-tickets is concerned.

In online shopping, it is currently an alternative place for shopping where this method is starting to be widely used by consumers. Various online shopping applications have sprung up, but several factors that influence consumer shopping decisions of course vary. In this study, researchers examined the effect of the accepted model of technology (ease of use and usefulness) and risk variables on consumer decisions to shop at online stores. In this study, the researcher used four variables, sixteen dimensions where each dimension was represented by two indicators so that in this study there were thirty-two indicators which would later be changed in the form of questions to respondents. In this study, the population used is consumers who have shopped online and since the population is very large, then with the quota sampling method the researchers determine the number of samples as much as five times the number of indicators so that the number of samples is 160 respondents, which would later be processed with AMOS SEM analysis tools. From the results of this study, it was found that the variables of ease of use, usefulness and risk had a significant and significant effect on consumer decisions to buy online. And the ease-of-use variable also affects the usefulness variable. The usefulness variable is found to have the greatest influence on consumer decisions, then the risk variable and finally the ease of use.

This study aimed to determine the intention of ATM users in Jordan to use internet banking services by investigating the effect of web-related features on their intention to use internet banking. The study sample was randomly selected. The results indicated that the level of internet banking usage among employees who use the ATM service is still underutilized. Also, computer self-efficacy significantly mitigated the effect of perceived risk, website quality, and perceived benefit on customers' intent to use online banking but did not significantly mitigate the impact of perceived use and compatibility on customers' intent to use online banking. The results can be useful for commercial banks that have implemented online banking in all their applications or are planning to do so. The study also provides benefits to academic researchers interested in the topic researched, commercial banks, commercial bank customers.

During the past few years, there have been increasing interests on doing banking transactions using online services through internet. In this paper, we present an empirical investigation to study the role of personal and social characteristics on acceptance of e-banking adoption. The proposed study designs two questionnaires and distributes them among 384 randomly selected people who use online banking in province of Alborz, Iran. The proposed study examines the effects of five factors including Neuroticism, Extraversion, Openness to experience, Conscientiousness and Agreeableness on e-banking adoption. Using regression techniques, the study has confirmed that Neuroticism and Agreeableness have negative and meaningful impact on e-banking adoption while Conscientiousness has positive and meaningful relationship with e-banking adoption.

The rapid diffusion of the Internet has radically changed the delivery channels applied by the financial services industry. The aim of this study is to identify the influencing factors that encourage customers to adopt online banking in Khorramabad. The research constructs are developed based on the technology acceptance model (TAM) and incorporates some extra important control variables. The model is empirically verified to study the factors influencing the online banking adoption behavior of 210 customers of Tejarat Banks in Khorramabad. The findings of the study suggest that the quality of the internet connection, the awareness of online banking and its benefits, the social influence and computer self-efficacy have significant impacts on the perceived usefulness (PU) and perceived ease of use (PEOU) of online banking acceptance. Trust and resistance to change also have significant impact on the attitude towards the likelihood of adopting online banking.

Business trades among individuals, companies, firms, enterprises, and governments are rapidly expelled from their traditional mode, which were mainly based on paper-based exchange, and are geared towards trading through information-based systems. E-commerce has opened up a new field in terms of speed, efficiency, cost savings, and the exploitation of fleeting opportunities. This paper evaluates different authentication methods for online banking in Parsian Bank, which is one of the biggest private banks in Iran. The study designs a questionnaire and distributes it among some experts to find cause and effect factors based on a multi-criteria decision making technique named Decision Making Trial And Evaluation Laboratory (DEMATEL). The study evaluates 12 criteria and divides them into two groups of cause and effect. “Use of mobile systems in authenti-cation methods”, “Authentication with fingerprint and smart card”, “Authentication with bank card and password”, and “Authentication with digital signatures and passwords” are considered as the causative group, while “Authentication with a bank card”, “Biometric authentication and disposable codes” and “Authentication with digital signature” are among the effective group.