The advent of cloud computing has transformed the role of the Internet in many businesses and organizations. Currently, banks are increasingly adopting cloud technologies to fulfil their varied purposes and to create a flexible and agile banking environment that can quickly respond to new business needs. However, past studies tend to focus more on the adoption issues of cloud computing from the organizational perspective with little attention paid on the users’ view of these cloud-based services. Therefore, this paper attempts to investigate the factors influencing cloud computing adoption in the banking sector from the customers’ perspective and to propose an adoption model for this purpose. The model is mainly developed based on the TAM-diffusion theory model (TAM-DTM) with the introduction of three new constructs namely trust, cost, and security and privacy. Questionnaires were randomly distributed to 162 bank customers in Malaysia. Survey data were analyzed using the partial least squares (PLS) method while SmartPLS was used to test the hypotheses and to validate the proposed model. The results suggest that trust, cost, and security and privacy can be successfully integrated within the TAM-TDM. The security and privacy constructs exhibited strong positive influence on perceived ease of use, perceived usefulness, and trust. The study concludes that perceived usefulness, perceived ease of use, cost, attitudes toward cloud and trust significantly influence users’ behavioral intention to adopt cloud computing. Thus, the finding of this study will enable banks to focus more on customer perspectives on cloud-based applications and identify their attitude towards their adoption.

中文翻译：

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客户对银行业采用云计算的看法

云计算的出现改变了互联网在许多企业和组织中的作用。当前，银行越来越多地采用云技术来实现其各种各样的目的，并创建可以快速响应新业务需求的灵活敏捷的银行环境。但是，过去的研究往往从组织的角度更加关注云计算的采用问题，而很少关注用户对这些基于云的服务的看法。因此，本文试图从客户的角度调查影响银行业云计算采用的因素，并为此提出一种采用模型。该模型主要是基于TAM扩散理论模型（TAM-DTM）开发的，引入了三种新的结构，即信任，成本，以及安全性和隐私权。问卷被随机分发给马来西亚的162家银行客户。使用偏最小二乘（PLS）方法分析调查数据，同时使用SmartPLS检验假设并验证所提出的模型。结果表明，可以将信任，成本，安全性和隐私性成功集成到TAM-TDM中。安全性和隐私结构对感知的易用性，感知的有用性和信任表现出强烈的积极影响。该研究得出的结论是，感知到的有用性，感知到的易用性，成本，对云的态度和信任度会显着影响用户采用云计算的行为意图。因此，这项研究的发现将使银行能够将更多的注意力集中在基于云的应用程序的客户观点上，并确定他们对其采用的态度。