Abstract:
Society has become more dependent on technology for identification purposes. In
addition, recent security lapses have demonstrated the importance of augmenting
authentication protocols in sensitive areas of the economy, such as financial services
and banking. Hence, this study aims to understand the factors affecting on intention to
adopt biometric authentication with regard to mediating role of attitude toward using
biometric authentication. Literature and population gaps were identified by reviewing
the existing literature regarding the purpose of this study. In order to fulfill these gaps,
the researcher examines the mediating role of attitude toward using biometric
authentication between each factor (external pressures, readiness, and perceived
benefits) and intention to adopt biometric authentication in selected commercial banks
in selected town areas of Batticaloa.
This study applies a quantitative research method by using a structured questionnaires
which were separately prepared to collect data from the employees as. well as the
professional customers of selected commercial banks in Batticaloa town and
Kattankudytown. Responses from 181 employees and 101 professional customers were
taken in to the analysis part by adhere the population sampling for employees and
purposive sampling technique for professional customers. Findings derived from
univariate analysis revealed that all the external pressures, readiness, perceived
benefits, intention to adopt biometric authentication, and attitude toward using
biometric authentication are in high level among employees and professional
customers. The positive relationships among variables were identified by performing a
correlation analysis for both perspective. Finally, the findings of multivariate analysis
of this study have disclosed that the attitude toward using biometric authentication
mediates the relationship between each factor (external pressures, readiness, and
perceived benefits) and intention to adopt biometric authentication in employees' and
professional customers' perspective. This study has provided a more holistic
understanding on factors affecting on intention to adopt biometric authentication with
regard to mediating role of attitude toward urging biometric authentication which may
enable the banks to adopt and implement biometric authentication in their systems.
