The determinants of customer internet banking resistance and the role of mediating variables in Yemeni Universities

Although internet banking has been widely adopted in developed countries, there is still a low percentage of internet banking adoption in Yemen, indicating a probable high resistance to internet banking. Hence, the objective of this research was to determine the direct predictors (attitude, subjective norm, perceived behavior control (PBC), credibility, trust, compatibility, self-efficacy and government support) of customer resistance, attitude, subjective norm, PBC and credibility towards internet banking. Additionally, this study examined the mediating effects of attitude, subjective norm, PBC, and credibility on the relationship between predictors and customer resistance to internet-banking behavior using Decomposed Theory of Planned Behavior (DTPB). A quantitative research survey was used whereby 900 questionnaires were distributed randomly to University employees. 451questionnaires were returned, representing a 50% response rate. After screening, 372 useable data sets were analyzed using the Structural Equation Modeling (SEM). The study found five significant predictors of customer resistance (attitude, credibility, compatibility, selfefficacy, and government support); three significant factors predicting attitude (government support, subjective norm and PBC); two significant predictors of SN (government support and self-efficacy); two significant predictors of PBC (compatibility and self-efficacy); and three predictors of credibility (trust, government support and PBC). It was also found that attitude fully mediated the relationship between subjective norm and customer resistance as well as between PBC and customer resistance. Contrastingly, attitude was a partial mediator between the relationship of government support and customer resistance. Likewise, credibility is a full mediator on the relationship between trust and customer resistance; PBC and customer resistance. Credibility also partially mediated the relationship between government support and customer resistance. Finally, the study contributes empirically by validating DTBP as an effective underpinning theory in explaining the internet banking resistance and that government should enact more stringent laws and policies to control the internet banking in Yemen

Understanding internet banking services and customer's adoption in Iraqi public universities

There is no doubt that internet banking services adoption represents a good opportunity for developing nations to attain greater economic development and growth, where the creation of added value is driven by information, knowledge and the adoption of information and communications technology. Although a lot of researches provide evidence on the wide adoption of internet banking in developed nations, there are only limited researches in developing nations in the Middle East, specifically in Iraq. There is definitely a need in this country to identify the factors that could encourage and improve the understanding of internet banking services adoption. There is also a paucity of empirical researches on internet banking services adoption from the perspective of customers. Taking these into cognizance, this quantitative research aims to understand internet banking services adoption, by investigating the key factors that encourage customers to adopt internet banking in the Iraqi context, using the decomposed theory of planned behavior. The research framework consists of eighteen latent variables, fourteen exogenous variables (perceived usefulness, perceived ease of use, compatibility, trust, social recommendation, prestigious media, self-efficacy, government support, technology support, internet technology literacy, resistance to technology, perceived risk of technology, anxiety about technology and information on technology); and four endogenous variables (internet banking adoption, attitude, subjective norms and perceived behavioral control). In order to test the framework, a quantitative approach using the survey method is employed consisting of eighty two items with a seven-point Likert scale. Based on proportionate stratified random sampling, 535 out of 800 employees submitted completed questionnaires suitable for analysis (a 66.8% response rate). Findings of this study reveal that all the research hypotheses are supported except three, namely subjective norms, perceived behavioral control and information on technology towards internet banking services adoption, implying that the decomposed theory of planned behavior is an applicable underpinning theory for clarifying the important antecedents of internet banking services adoption in the Iraqi context

Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia

The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue. The proposed model of Decomposed Theory of Planned Behaviour was empirically evaluated by decomposing the attitude, perceived behavioural control, subjective norm, perceived risk and perceived trust. The decomposition approach adopted by models provide a detailed set of antecedents that could better explain the intention to adopt mobile banking. Data was collected through self administered survey questionnaire from 302 full time students in local public universities in Klang Valley, Malaysia. Structural Equation Modeling is the main statistical technique applied in this study. This study revealed that actual use of mobile banking recorded low level of usage. In particular, the study found that the attitude, perceived behavioural control and perceived trust are found to have a significant effect on the students‘ intention to use mobile banking except for subjective norm and perceived risk which were partially supported. However, on the antecedent effect of the main belief, the perceived ease of use and perceived security was found to have insignificant result. Overall, the result signifies that the model support a good understanding of the factors that influence the intention to use and actual usage of mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, limitations of the research and recommendations for future research are presented

Internet banking acceptance model: Cross-market examination

This article proposes a revised technology acceptance model to measure consumers’ acceptance of Internet banking, the Internet Banking Acceptance Model (IBAM). Data was collected from 618 university students in the United Kingdom and Saudi Arabia. The results suggest the importance of attitude, such that attitude and behavioral intentions emerge as a single factor, denoted as “attitudinal intentions” (AI). Structural equation modeling confirms the fit of the model, in which perceived usefulness and trust fully mediate the impact of subjective norms and perceived manageability on AI. The invariance analysis demonstrates the psychometric equivalence of the IBAM measurements between the two country groups. At the structural level, the influence of trust and system usefulness on AI vary between the two countries, emphasizing the potential role of cultures in IS adoption. The IBAM is robust and parsimonious, explaining over 80% of AI

The effect of marketing mix perception on the intention of online merchant financing

With a large number of Micro, Small, and Medium Enterprises (MSMEs), Indonesia has an opportunity to pioneer the development of new digital services, especially advanced mobile financial service and e-commerce. Therefore, the government recommended e-marketplaces as a channel to provide micro-financing MSME registered as an online merchant. Financial Institutions are more secure in offering credit facilities to merchants in e-marketplaces because it is easier to verify borrower status and transaction records. This paper aimed to examine the role of the marketing mix (product, price, place, and promotion) perceived in submitting microcredit’s online application. Research on the intention of online merchants in e-marketplaces used the modified Decomposed Theory of Planned Behavior (DTPB) model approach. Data were collected from Indonesian online seller associations using a convenience sampling approach, and the research hypotheses were tested by applying structural equation modeling. The results showed that besides having a significant effect on online financing intention, the marketing mix’s perception could also be developed by mediating subjective norms

Factors Influencing Consumers' Acceptance of Mobile Marketing Services

The research of mobile marketing services is still at the early stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile marketing services still remains unclear. To investigate this issue, this study has examined the acceptance of mobile marketing services by measuring the consumer's intention and actual usage of mobile marketing services. Grounded by the Decomposed Theory of Planned Behaviour (DTPB), this study proposes a framework by decomposing attitude, subjective norm, perceived behavioural control and perceived risk. A total of 334 full-time university students from four public universities in the Northern Region, Malaysia have participated in this study. Data for all the study variables have been collected through self-administered survey questionnaires. Structural Equation Modeling (SEM) is the main statistical technique used in this study. The study has shown that the level of the actual usage is at the lower level. The study also reveals that all the main beliefs (attitude, subjective norm, perceived behavioural control and perceived risk) are found to have significant effect on consumer‟s intention to use mobile marketing services. With regard to antecedents‟ effect on the main beliefs, there are only four factors which are found insignificant namely perceived ease of use, personal innovativeness, media and technology facilitating condition. Whereas, another ten antecedent factors significantly influence the main beliefs. Overall, the results indicate that the model provides a good understanding of the factors that influence intention to use and the actual usage of mobile marketing services. As predicted, decomposition of the main beliefs provides more specific factors that influence the behaviour. Based on the findings, the theoretical and practical implications of the study as well as limitations and suggestions for future studies are also discussed

The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia

Internet banking in Malaysia has been in existence for more than two decades. However, there is still lack of studies in discovering the aspects of attitude and behavior of the retail banking customers towards the adoption of the internet banking services. Therefore, this study aims to investigate the determinants of the internet banking usage from the angle of attitude and behavior of these customers in the internet banking usage. This study employed the Technology Acceptance Model by Davis as the underpinning theory and further enhanced it to the Extended Technology Acceptance Model by taking into account factors such as trust, internet self-efficacy, and subjective norm as the additional predictors of internet banking usage via the mediating effect of attitude towards usage. The study setting was based on five top commercial banking in Malaysia and systematic random sampling of data collection was done through households via self–administered questionnaire and analysis was done by using the structural equation modelling as the statistical tool. The findings show that perceived ease of use and attitude have a positive significant effect on internet banking usage while perceived usefulness and internet self-efficacy have a positive impact on attitude. The findings further reveal that perceived usefulness and internet self-efficacy mediate through attitude on the internet banking usage while trust, perceived ease of use, and subjective norm do not mediate through attitude on the internet banking usage. These results are immeasurably valuable to practitioners for managing and executing their marketing strategy. Furthermore, it contributes and enriches knowledge pertaining to the predictors of internet banking usage

A Meta Analysis on Adoption of Mobile Financial Services

During the last decade, there has been tremendous growth in mobile penetration in many countries across the globe including a number of developing countries. The total number of mobile subscription 5 billion by the end of 2010 and is further expected to grow multi-folds. On the other hand, around 2.5 billion adults worldwide do not have a savings or credit account with either a regulated bank or alternative financial institution (such as a microfinance institution). Around one billion people in emerging markets have a mobile phone but no access to banking services. This scenario has opened immense opportunities for organizations including banks, insurance companies and telecom operators to strengthen their customer base and increase revenue by providing various financial services to the consumers through mobile technology. Hence, it becomes very important to understand the factors that would act as drivers or inhibitors towards the adoption of mobile financial services (MFS). Quite a few studies have been conducted across the globe to determine the factors affecting adoption of MFS. This paper provides a Meta analysis of the existing academic literature on MFS and determines the strength of the factors and their linkages through a scoring model based on the type of publication. The findings of the study would be beneficial for further research in understanding the dimensions to be considered for developing adoption model for MFS. The findings can also be used by the practitioners involved in MFS in understanding the factors affecting demand for such services.

A theory-grounded framework of Open Source Software adoption in SMEs

This is a post-peer-review, pre-copyedit version of an article published in European Journal of Information Systems. The definitive publisher-authenticated version Macredie, RD and Mijinyawa, K (2011), "A theory-grounded framework of Open Source Software adoption in SMEs", European Journal of Informations Systems, 20(2), 237-250 is available online at: http://www.palgrave-journals.com/ejis/journal/v20/n2/abs/ejis201060a.html.The increasing popularity and use of Open Source Software (OSS) has led to significant interest from research communities and enterprise practitioners, notably in the small business sector where this type of software offers particular benefits given the financial and human capital constraints faced. However, there has been little focus on developing valid frameworks that enable critical evaluation and common understanding of factors influencing OSS adoption. This paper seeks to address this shortcoming by presenting a theory-grounded framework for exploring these factors and explaining their influence on OSS adoption, with the context of study being small- to medium-sized Information Technology (IT) businesses in the U.K. The framework has implications for this type of business – and, we will suggest, more widely – as a frame of reference for understanding, and as tool for evaluating benefits and challenges in, OSS adoption. It also offers researchers a structured way of investigating adoption issues and a base from which to develop models of OSS adoption. The study reported in this paper used the Decomposed Theory of Planned Behaviour (DTPB) as a basis for the research propositions, with the aim of: (i) developing a framework of empirical factors that influence OSS adoption; and (ii) appraising it through case study evaluation with 10 U.K. Small- to medium-sized enterprises in the IT sector. The demonstration of the capabilities of the framework suggests that it is able to provide a reliable explanation of the complex and subjective factors that influence attitudes, subjective norms and control over the use of OSS. The paper further argues that the DTPB proved useful in this research area and that it can provide a variety of situation-specific insights related to factors that influence the adoption of OSS

Role Of Innovation Attributes In Explaining Intention And Adoption: A Case Of The IRCTC Mobile Ticketing Application In The Indian Context

This study aims at presenting an investigation on the role of innovation attributes in significantly influencing consumers’ behavioural intentions and actual adoption of Indian Railway Catering and Tourism Corporation’s mobile ticketing application. Both, the adopters and non-adopters of this technology were targeted to attain the suitable data for empirically testing the proposed model for this study. A series of tests were performed using the SPSS analysis tool. These findings suggested that relative advantage, compatibility, trialability, and observability considerably influenced consumers’ use intentions. The Findings also helped reveal that affordable cost and low risk associations to this technology significantly favoured the adoption intentions, and in turn, the actual adoption of this application. With no earlier publications on this technology yet, this study offers the researchers an insight into the behaviour of different attributes that considerably impact its overall adoption. The tests bring to light its low adoption rate and the lack awareness of its positives amongst its potential consumers, indicating the increased need for its effective promotion to attract more consumers