Consumer Adoption of Self-Service Technologies in the Context of the Jordanian Banking Industry: Examining the Moderating Role of Channel Types

YesThis study aimed to examine the key factors predicting Jordanian consumers’ intentions and usage of three types of self-service banking technologies. This study also sought to test if the impacts of these main predictors could be moderated by channel type. This study proposed a conceptual model by integrating factors from the unified theory of acceptance and use of technology (UTAUT), along with perceived risk. The required data were collected from a convenience sample of Jordanian banking customers using a survey questionnaire. The statistical results strongly support the significant influence of performance expectancy, social influence, and perceived risk on customer intentions for the three types of SSTs examined. The results of the X2 differences test also indicate that there are significant differences in the influence of the main predictors due to the moderating effect of channel type. One of the key contributions of this study is that three types of SSTs were tested in a single study, which had not been done before, leading to the identification of the factors common to all three types, as well as the salient factors unique to each type

Jordanian Customers’ Intention Towards and Use of Internet Banking: Exploring Demographic Differences on Their Perception

This research aims to explore whether Jordanian customers’ perceptions on intention and use of Internet banking services varies according to their demographic characteristics. According to prior literature, there are five demographic factors; namely: age, gender, income, education and customers’ experience with the computer and Internet. These have been considered in the current study. The required data was collected from field survey questionnaires administered to a convenience sample of Jordanian banking customers. The main statistical results indicated that the customers’ perceptions on intention and usage of Internet banking are significantly different according to age, education, and their experience with the computer and Internet. Yet, there was no significant difference that could be attributed to gender. The results also suggest that even though the vast majority of the respondents have a higher willingness to adopt Internet banking, the actual usage rates of the most Internet banking (IB) services are too low. Theoretical contributions, implications, limitations and future research directions are also outlined

Consumer adoption of mobile banking in Jordan: Examining the role of usefulness, ease of use, perceived risk and self-efficacy

YesThe purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective

Factors affecting online banking adoption based on unified theory of acceptance and use of technology (UTAUT)

Internet revolutions have brought a huge impact on banking industry. It had also created a novel way for handling banking transactions via online banking channel. There was approximately 23.6% increase in online banking subscribers in Malaysia since 2005 to 2010. However, past literature reviews claimed that online banking was not favorable in Malaysia. Hence, this study attempts to examine the factors that affecting the intention to adopt online banking based on unified theory of acceptance and use of technology (UTAUT). Other than the four constructs from UTAUT, one additional construct has been added into this model for the purpose of this study. The five determinants were performance expectancy, efforts expectance, facilitating conditions, social influence and personal innovativeness in IT were examined in this study. A total of 400 questionnaires were distributed among UTM students, where respondents were randomly selected. Principle component analysis and Cronbach’s alpha were used to test the validity and reliability of the measurement scale. Pearson correlation was employed to examine the relationships between variables, and multiple regressions were used to test the hypothesis of this study. Regression model in this study found that 48.5% of the variance had been significantly explained by the predictors. As a conclusion, the findings of this study revealed that all the factors except facilitating conditions are significantly affecting the intention to adopt online bankin

Exploring the Role of \u27Price Value\u27 for Understanding Consumer Adoption of Technology: A Review and Meta-analysis of UTAUT2 based Empirical Studies

Price value is important theoretical addition to the extended unified theory of acceptance and use of technology (UTAUT2) as individuals bear monetary cost in using technology in consumer setting. A preliminary review of 650 UTAUT2 citations revealed majority of the studies utilized UTAUT2 in combination with external theories omitting some of original UTAUT2 constructs and rarely included moderators. Only 147 studies utilized at least one UTAUT2 construct in their research model. Thus, the aim of this study is to identify usage of price value construct in UTAUT2 based studies and their reason for inclusion or omission. The findings from 79 UTAUT2 empirical studies revealed only 32 studies (41%) utilized price value while the remaining 47 studies (59%) excluded the construct from their research model. The major reason for exclusion was studies examined technologies such as mobile applications and social networking sites that are available to individuals at free of cost

Examining Factors Affecting Customer Intention And Adoption Of Internet Banking In Jordan

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 behavioural 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