EDUCATIONAL DETERMINANTS OF ONLINE BANKING ADOPTION IN BOSNIA AND HERZEGOVINA
Bibliographic record
Abstract
This study aims to empirically investigate the determinants of online banking adoption in Bosnia and Herzegovina. The data presented in this paper was collected via a survey from 321 randomly selected banking users in Bosnia and Herzegovina. The survey was developed based on the Technology Acceptance Model (TAM) framework to test the constructs and their ability to predict consumers’ behavioral intentions. All gathered data was processed and analyzed using the AMOS software version 24. We performed the Structural Equation Modeling (SEM) for path analysis to estimate the strength of the hypothesized relationships among the determinants. The findings indicate a significant impact of Attitude, Perceived Usefulness, and Perceived Ease of Use on consumers’ Intention to Use online banking services. Further, the research has proven that Perceived Usefulness and Perceived Ease of Use impact consumers’ Attitudes toward online banking adoption. The path analysis result suggests that Perceived Usefulness strongly mediates the relationship between Perceived Ease of Use and Attitude.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.015 | 0.003 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.003 | 0.002 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.001 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".