The Adoption of Text-to-Speech Technology in Malaysia’s E-Banking

Carolyn Chai Nee Tan; Wei Chien Ng; Yu Qing Soong

This study investigates the adoption dynamics of Text-to-Speech (TTS) technology within the e-banking domain among Malaysian banking customers. Grounded in the Technology Acceptance Model (TAM), the research examines key constructs including Perceived Usefulness (PU), Perceived Ease of Use (PEU), Attitude Towards Technology (ATT), and Behavioral Intention to Use (BI). In addition, this study attempts to investigate the impact of age towards BI. Utilizing a cross-sectional survey design, data was collected from a representative sample of Malaysian working adults who actively use e-banking services. The sample size was determined using G*Power analysis, ensuring statistical robustness with a minimum of 100 participants. Structural Equation Modeling (SEM) was used to test the hypothesized relationships between the constructs. This study revealed that PU and ATT have a significant relationship towards the BI. In contrast, PEU found to be insignificant towards BI but found to be significant towards ATT. However, age found to be insignificant towards the relationship between PU and PEU on BI respectively. The study's implications extend to e-banking service providers, suggesting targeted strategies to enhance user adoption of TTS features. By addressing the identified factors, financial institutions can improve user experience and increase the uptake of innovative technologies in digital banking. This research contributes to the broader understanding of technology acceptance in the financial sector, offering a framework for future studies on emerging technologies in e-banking.

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Tan, C. C. N., Ng, W. C., & Soong, Y. Q. (2024). The Adoption of Text-to-Speech Technology in Malaysia’s E-Banking. International Journal of Academic Research in Accounting, Finance and Management Sciences, 14(4), 1300–1315.

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The Adoption of Text-to-Speech Technology in Malaysia’s E-Banking

Carolyn Chai Nee Tan, Wei Chien Ng, Yu Qing Soong

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