Adoption of Internet banking among sophisticated consumer segments in an advanced developing country
ABSTRACT This descriptive study was conducted to develop an understanding of consumers' attitudes and adoption of Internet banking among sophisticated consumers. Based on a random sample of academicians, demographic, attitudinal, and behavioral characteristics of Internet banking (IB) users and non-users were examined. The analyses revealed significant differences between the demographic profiles and attitudes of users and non-users. IB users were further investigated, and three sub-segments were defined according to a set of bank selection criteria. Finally, based on the similarities between various Web-based bank services, four homogeneous categories of services were defined.
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ABSTRACT: This study provides a structure for understanding ECCS success. The study argues that using user satisfaction as surrogate indicator for measuring the success of ECCS has some theoretical difficulties. In similar vein, using the technology acceptance model (TAM) alone may not be sufficient to adequately capture the full meaning of effectiveness or the success of these. It posits that ECCS success is a joint function of system and information characteristics and acceptance. The study population consists of ECCS users from the central bank of Jordan and 24 commercial banks in Jordan. A convenience sample was drawn from ECCS users from the central bank of Jordan and 11 commercial banks, whereas 304 valid questionnaires were collected out of 420 distributed questionnaires. Collected data were statistically analyzed using SPSS package to investigate the relationship between dependent variable ECCS users satisfaction and independent variables: ECC system quality, ECCS information quality, ECCS perceived ease of use and ECCS perceived usefulness. On the other hand, the relationship significance between the dependent variable ECC system success and using ECCS users satisfaction as an independent variable was investigated. The main study conclusions were that ECCS success is positively associated with ECCS users satisfaction which is positively associated with the independent variables mentioned earlier. The major study recommendation is that the business sector should pay attention to the major role of users attitudes in determining the success of information systems application. The importance of future investigation on the perceived value of ECCS by banks customers is also emphasized.Jordan Journal of Business Administration 08/2011; 7(3):2011-461.
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ABSTRACT: This study aims to propose and validate a conceptual model demonstrating the main factors predicting customers’ intention and adoption of Internet banking in Jordan. The conceptual framework was theorized by integrating factors from the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2): performance expectancy (PE), facilitating conditions (FC), and hedonic motivation (HM) along with perceived risk (PR) and trust (TR) were extracted from Internet banking literature. A self-administrative questionnaire has been employed to collect data from a convenience sample of three hundred forty-eight Jordanian banking customers (69.6% response rate). By facilitating AMOS 21, a structural equation modelling (SEM) has been conducted to validate the proposed model and examine the research hypotheses. Statistical results approved that all predictors of behavioral intention (BI) have been recognized as significant. TR was the most influential factor predicting BI. This study ended by deliberating the research limitations and future directions.Proceedings of the UKAIS International Conference 2014. 7th-9th April 2014, Oxford., Oxford; 04/2014
Conference Paper: Factors Influencing Jordanian Customers’ Intention to Adopt TelebankingForthcoming in Proceedings of Academy of Marketing Conference AM 2014. 7th -10th of July 2014., Bournemouth; 07/2014