Title: Modelling customer's intention to use e-banking in Saudi Arabia: an empirical study

Authors: Mohamed A. Youssef; Eyad M. Youssef; Yaprak Anadol; Abdullah Al Zahrani

Addresses: College of Business Administration, American University in the Emirates, Dubai, UAE ' College of Business Administration, Delta State University, Cleveland MS, USA ' College of Business Administration, University of Dubai, Dubai, UAE ' Saudi ARAMCO, Saudi Arabia

Abstract: This study examines how customers perceive and adopt internet banking (IB) in Saudi Arabia. Developments of this study were based on technology acceptance model (TAM) which is used with an added construct of Web Security to determine the level of adoption to use IB. Attitude, perceived usefulness, perceived ease of use, perceived Web Security and intention to use are the main constructs of the study. Intention to use IB is used as the dependent variable and the determinant of the adoption. The questionnaire of the original study was utilised with some modifications to fit the Saudi environment. The analysis in this paper is based on a sample of 252 responses, collected from individuals living in the eastern province of KSA. A series of regression analyses was used to test the six main hypotheses of this study. This study contributes to the existing body of the literature in that it confirms the findings of original study by Cheng et al. (2006). It also confirms the strength of the TAM in determining the level of acceptance to IB services in a developing economy.

Keywords: e-banking; consumer attitude; technology acceptance model; TAM; Web Security; ease of use; Saudi Arabia.

DOI: 10.1504/IJBIR.2017.086293

International Journal of Business Innovation and Research, 2017 Vol.14 No.2, pp.239 - 258

Received: 02 Oct 2015
Accepted: 07 Nov 2015
Published online: 04 Sep 2017 *

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