The effect of awareness and perceived risk on the technology acceptance model (TAM): mobile banking in Yemen (original) (raw)

New determinants of ease of use and perceived usefulness for mobile banking adoption

International Journal of Electronic Customer Relationship Management, 2017

This research centres the variables affecting the intention of individuals to continue using mobile banking in Pakistan through using a model of technology acceptance model (TAM). Relevant information was collected through a structured instrument while the sample size included 300 users of mobile banking. Furthermore, statistical tools applied as a part of a study were reliability analysis and partial least square-SEM = Structural Equation Modelling in order to check the effect of those factors with the intention of the users. Outcomes suggest that resistance is significantly and negatively associated with perceived ease of use while it is significantly and positively associated with perceived usefulness. Also, perceived risk and compatibility have positive significant relationships with both perceived ease of use and perceived usefulness. However, awareness is positively and significantly connected with perceived ease of use and an insignificant relationship with perceived usefulness. Perceived ease of use has a significant positive relationship with both perceived usefulness and attitude, while perceived usefulness has a positive significant relationship with attitude and intention towards adopting mobile banking. Finally, attitude is also positively and significantly linked with the intention of using mobile banking. The results of this study provide useful information about the users' pattern of using the technology, which will be helpful for the financial institutions.

Determinants of Behavioral Intention to Mobile Banking Case From Yemen

Advances in multimedia, 2013

Nowadays, new tools and technologies are emerging rapidly. They are often used cross-culturally before being tested for suitability and validity. However, they must be validated to ensure that they work with all users, not just part of them. Mobile banking (as a new technology tool) has been introduced assuming that it performs well concerning authentication, among all members of the society. Our research aimed to evaluate authentication mobile banking user acceptance, through Technology Acceptance Model (TAM), in Arabic countries, namely Yemen. The results confirm the previous studies that have shown the importance of perceived ease of use and perceived usefulness. Furthermore, perceived ease of use plays a determinant role.

The Role of Trialability, Awareness, Perceived Ease of Use, and Perceived Usefulness in determining the Perceived Value of Using Mobile Banking in Yemen

2016

Mobile Banking, as a banking services delivery channel, has provided a significant competitive advantage for banks and financial institutions by extending their clients base while retaining existing. As perceived value is a subjective concept in banking services, and it varies from one client to another. Very little attention has been given in the literature to exactly what constitutes the value of using Mobile Banking services. The purpose of this study is to test the critical antecedents that impact the perceived value of using Mobile Banking services via using an extended model of the technology acceptance model (TAM). The evaluation of this model was done through a questionnaire survey that collected data from four hundred and eighty-two valid responses from individuals who are non-users of Mobile Banking services. Structural Equation Modelling (SEM) via AMOS software was utilised to determine the relative importance levels of associations and interactions between the factors tested. The research achieved a goodness of fit of model to data, and explained 60% of the variance in perceived value of using Mobile Banking services. The findings of the multivariate analysis revealed that perceived ease of use, perceived usefulness, trialability, and awareness are major predictors of perceived value. The results of this study has the potential to give further insights into Mobile Banking strategies.

Determinants of behavioral intention to mobile banking

Expert Systems with Applications, 2009

Nowadays, new tools and technologies are emerging rapidly. They are often used cross-culturally before being tested for suitability and validity. However, they must be validated to ensure that they work with all users, not just part of them. Mobile banking (as a new technology tool) has been introduced assuming that it performs well concerning authentication, among all members of the society. Our research aimed to evaluate authentication mobile banking user acceptance, through Technology Acceptance Model (TAM), in Arabic countries, namely Yemen. The results confirm the previous studies that have shown the importance of perceived ease of use and perceived usefulness. Furthermore, perceived ease of use plays a determinant role.

Exploring the determinants of mobile banking adoption in the context of Saudi Arabia

International Journal of Customer Relationship Marketing and Management, 2022

Rapid advances in mobile technologies and innovations have made mobile banking progressively significant in mobile business and monetary administrations. Our study used TAM and perceived risk as a theoretical base to develop a conceptual model that can explain the main factors affecting users intentions to adopt mobile banking in Saudi Arabia context. SEM/AMOS techniques were used to analyse the data collected from mobile banking users. the results indicated that perceived relative advantages, perceived ease of use, perceived compatibility have a significant positive effect on attitude towards mobile banking adoption, while perceived risk has a negative effect on intention to adopt. Furthermore, attitude has a significant influence on intentions to adopt mobile banking. The study offers meaningful implications to theory and practice.

The intention to use mobile banking: Further evidence from Saudi Arabia

South African Journal of Business Management

The purpose of this research paper is to develop and examine a research model to understand the factors that affect the intention to use mobile banking services in Saudi Arabia. Based on a paper-based survey of 253 respondents, the study utilized a Partial Least Squares (PLS) to empirically test the model. The results indicated strong support for the validity of proposed model with 66,7% of the variance in intention to use mobile banking. The results also indicated that compatibility was the strongest facilitator of intention while perceived risk was a barrier to the intention to use mobile banking. Trust had strong negative relationship with perceived risk, indicating that trust may alleviate the risk barrier, which could influence intention to use mobile banking. Contrary to previous research, perceived usefulness and perceived ease of use did not have significant effect on intention to use mobile banking. The implications of the findings were discussed and suggestions for future ...

Determinants of Behavioral Intention & Mobile Banking

Nowadays, new tools and technologies are emerging rapidly. They are often used cross-culturally before being tested for suitability and validity. However, they must be validated to ensure that they work with all users, not just part of them. Mobile banking (as a new technology tool) has been introduced assuming that it performs well concerning authentication, among all members of the society. Our research aimed to evaluate authentication mobile banking user acceptance, through Technology Acceptance Model (TAM), in Arabic countries, namely Yemen. The results confirm the previous studies that have shown the importance of perceived ease of use and perceived usefulness. Furthermore, perceived ease of use plays a determinant role.

Analysis of Factors Affecting Behavioral Intention and Use of Behavioral of Mobile Banking Using Unified Theory of Acceptance and Use of Technology 2 Model Approach

International Review of Management and Marketing

The percentage of mobile banking users is currently lower than the number of active internet users with smartphones in Indonesia. The current study extends the Unified Theory of Acceptance and Use of Technology 2 by adding two important factors, perceived risk and observability. The purpose of this study is to investigate the factors influencing behavioural intention and use behaviour of Mobile banking by customers of Indonesian. Data was collected by conducting an online survey questionnaire completed by 360 respondents. The authors analysed the model through structural equation modelling LISREL. The results showed observability, performance expectation, hedonic motivation, facilitating conditions as positive and significant of behaviour intentions. The perceived risk, and price value indicated negative and significant in explaining behaviour intention. Behavioral intention and experience has positive and significant to use behavior mobile banking.

Determinants Affecting Customer's Intention to Adopt Mobile Banking in Saudi Arabia

International Arab Journal of Information Technology

Mobile technologies and services are envisioned as the possible driving force that will create a variety of business opportunities. The objective of the present study is to determine the major factors that contribute towards customer's intention to adopt mobile banking as electronic-financial services among commercial banks in Saudi Arabia. The research uses primary data and the unit of analysis is individuals who are non-users of mobile banking services. The study questionnaires were distributed to samples throughout Saudi Arabia concentrating on major cities. Four hundred and three valid responses were received and analyzed through multivariate analysis process using Structural Equation Modelling. The study shows that Mobile Phone Experience and Awareness of Service are critical in the comprehension of the technology and its related functionality and benefits while the lack of knowledge and information maximizes the perception of risk. The results also reveal that Performance ...

Factors Affecting Acceptance of Mobile Banking in Developing Countries

This study aimed to investigate factors influencing the acceptance of mobile banking in Libya. To assist in identifying these factors, a detailed research was carried out to identify the current problems faced by the Libyan banks customers, the acceptance of mobile banking in different countries around the world, the importance of adopting this technology to both parties: banks and customers in Libya. The sample elements consisted of 319 existing customers within the banking in Tripoli. They were selected at random depending on their willingness to participate in the research study. A survey was developed to obtain responses from various segments of the society. The findings showed that factors facilitating conditions, perceived self-Efficacy, Perceived ease of use, and perceived usefulness, and have significant imapcts on consumer’s behavioral intentions for the acceptance and usage of mobile banking technology in Libya.