The relationship between technology readiness and the intention to use technology-based banking products and services

The aim of this study is to assess the technology readiness of Afghanistan's banks existing and prospective customers for technology-based banking product and services, and to examine the relationship between technology readiness and intention to use technology-based banking product and services. To achieve this aim, Technology Readiness Index (TRI) previously formulated by Parasuman (2000) and technology acceptance model (TAM) was used. Six hypotheses have developed within the framework of the research model. Data has been collected through questionnaire from 204 respondents in Jalalabad province, Afghanistan. Derived data have been analysed by t-test analysis, factor analysis, regression analysis and ANOVA analysis. According to results of the study, that there is a strong, meaningful and positive relationship between technological readiness and the intention to use technology-based banking products. Also, technology readiness upon both perceived usefulness and perceived ease of use have a positive and meaningful effects. Furthermore, perceived ease of use upon perceived usefulness and intention to use technology-based banking product and services have significantly and positively effects. Also, perceived usefulness has positive and meaningful effect upon intention to use technology-based banking product and services, so the model has to be improved. The finding of study reveals that Afghanistan's banks existing and prospective customers are ready for technology-based banking product and services. Keywords: Technology Readiness, Technology Readiness index, Technology Acceptance Model, Intention to Use Technology-based Banking Product and Serives.