Factors of Attitudes, Risk Perception, and Technology Acceptance Influencing the Use of Electronic Contracts (E-Contract) of the Government Housing Bank Head office

Abstract

The objective of the study was to examine factors of attitudes, risk perception, and technology acceptance influencing the use of electronic contracts (E-Contract) of the Government Housing Bank, Head Office. The study investigated demographic factors including gender, age, educational level, income, and marital status, as well as factors of attitude, risk perception, and technology acceptance that affect the decision to use electronic contracts (E-Contract) at the Government Housing Bank, Head Office. The data were collected through an online questionnaire from 400 employees of the bank and analyzed using frequency, percentage, mean, and standard deviation. The hypotheses were tested by applying correlation analysis and multiple regression analysis. The findings revealed that attitude, risk perception, and technology acceptance had a positive influence on the use of electronic contracts (E-Contract). All variables influencing the decision were statistically significant at the 0.05 level. The study suggests that the bank should further develop and improve its electronic contract (E-Contract) system to enhance security and reliability, as well as to build understanding and confidence among users. This would help increase the acceptance and effective utilization of electronic contracts (E-Contract).