Students’ perceptions of and loyalty towards internet banking: the case of the Kingdom of Saudi Arabia and the United Kingdom

This thesis was submitted for the degree of Doctor of Philosophy and awarded by Brunel University.The contribution of this study based on the development of a cross-cultural universal framework, which is moderated by the culture dimension (uncertainty avoidance) and examines the factors influencing the individuals’ attitudes and behaviour and, ultimately, the individuals’ loyalty towards Internet banking across different countries (KSA and the UK). The study will contribute towards filling the gap in Internet banking literature by: 1) examining customers’ loyalty as a dependent variable of intention; 2) invariant acceptance of customers across the UK and KSA cultures; 3) and integration of the cultural dimension (i.e. uncertainty avoidance) and demographics (i.e. gender and experience) as factors of invariance across the groups. The framework is based on a number of constructs adopted from the validated theories in information systems (IS), psychology and marketing literature perspectives. Specifically from a psychology perspective, using Theory of Reasoned Action (TRA) and Social Cognitive Theory (SCT) constructs, Attitude, Intention, Subjective Norms, Self-efficacy and Actual Behaviour (i.e. intention towards loyalty) were integrated. From a technological perspective, using Technology Acceptance Model (TAM) constructs, Perceived Usefulness and Perceived Ease of Use were integrated. Besides these constructs, the model also integrates constructs of privacy, security, communication, customers’ experience, Internet banking reputation, trust and loyalty from IS, as well as a marketing perspective. To examine the hypothetical relationships within the conceptual model, this study applied the positivist philosophical approach with quantitative methodology. Out of 1000 questionnaires distributed amongst undergraduate students in UK and KSA, 532 were useable, i.e. 53%. Due to the multilevel stages of the conceptual model, structural equation modelling (SEM), based on analysis of moment structure (AMOS), was applied to analyse the data. In addition, invariance analyses were applied to see the differences across the groups (i.e. moderation effect). Initially, sixteen hypotheses were developed in the model but due to the merger of three constructs (i.e. trust, security and privacy ) into one construct (i.e. trust), and the deletion of three constructs (i.e. communication, customers’ experience and Internet banking reputation) at the confirmatory factor analysis (CFA) process, eleven hypotheses were finally retained for examination. The modification indices (MI) suggested three new paths, and hence, the addition of these new hypotheses brought the number up in total to fourteen hypotheses. The results suggest that the conceptualised model was able to fit with the data in both UK and KSA sample. Within the KSA sample, the model explained 45% variance in customer loyalty, but 60% in UK sample. From the path relationships perspectives, out of fourteen hypotheses ten were supported in the KSA and nine were supported in the UK. The results confirm the study’s argument that customer loyalty is the main construct of individuals’ behavioural intention to accept Internet banking. Within specific countries’ context, after behavioural intention, perceived ease of use was a more important predictor of loyalty in the KSA (i.e. b= 0.28); whereas perceived usefulness was a more important predictor of loyalty (i.e. b= 0.27) in the UK. Furthermore, it was noticed that subjective norm towards behavioural intention, perceived usefulness and ease of use was only significant in the KSA sample. The invariance analysis across the countries revealed significant differences between the KSA and the UK for nine hypotheses. Furthermore, invariance analysis also revealed significant differences across the cultural dimension of uncertainty avoidance (i.e. high and low), and the demographical variable of gender (i.e. male and female). Contrary to this, no difference was found for the demographic variable of experience (i.e. high and low). Based on these results, theoretical and practical implications are advised.King Khalid Universit

Knowledge Sharing in Non-Knowledge Intensive Organizations: When Social Networks do not Matter?

Considerable attention has been paid to the network determinants of knowledge sharing. However, most, if not all, of the studies investigating the determinants of knowledge sharing are either focused on knowledge-intensive organizations such as consultancy firms or R&D organizations, or knowledge workers in regular organizations, while lesser knowledge intensive organizations or non-knowledge workers are rarely explored. This is a gap in the literature on social networks and knowledge sharing. In this paper, the relations between network determinants and actor determinants of knowledge sharing are empirically tested by means of a network survey in a less knowledge intensive organization, specifically employees of a Dutch department store chain. The results show that individual-level variables such as departmental commitment and enjoyment in helping others are the major determinants of individuals’ knowledge sharing behavior, but none of the social network variables play a role. The results thus present an important boundary condition to social networks effects on knowledge sharing: social networks only seem to play a role in knowledge sharing for knowledge workers, not for blue-collar workers

Why do IQ Scores Predict Job Performance? An Alternative, Sociological Explanation.

ABSTRACT During the past century, IQ testing has become a pervasive tool for allocating scarce resources in the United States and beyond. IQ-reflective tests are used in primary and secondary schools to sort students into groups, and by universities and employers to select between applicants. Drawing on several sociological literatures (i.e. the diffusion of institutions, social stratification, and self- fulfilling dynamics), we argue that the current applications of IQ-reflective tests allow individuals with high IQ scores to receive greater access to developmental resources, enabling them to acquire additional capabilities over time, and ultimately perform their jobs better. This institutional explanation for the IQ–job performance link is an alternative to the prevailing assertion that IQ facilitates job performance through on-the-job learning. Further, this explanation suggests that the frequently repeated prescription ‘‘select on intelligence’’ may be institutionally contingent

Creating Space, or Just Juggling? Exploring the Adoption of Innovation in Community Sport

Previous research into community sport organization (CSO) has focused heavily on capacity and resource deficits and the ways in which CSOs manage under these constraints. This study explores mechanisms influencing CSOs as they adopt and implement an innovation: Long-Term Athlete Development (LTAD). A critical realist, extensive-intensive design spanning 36 months was used. The first, extensive phase of the study examines the contextual mechanisms influencing the approach of CSOs to adopting the LTAD innovation. Resource dependence and institutional perspectives are integrated to describe the forces acting on CSOs, how these manifest in structures, and how the structures channel the agency of CSO leaders as they work to balance resources and deliver programs. A contextual model of CSO operation under conflicting institutional logics is presented. The second, intensive phase examines the question of how CSOs plan, learn, and consolidate learning into structure as they integrate an innovation. Here, an engaged case study methodology was used to focus on the efforts of a single CSO over a one-year period as it worked to implement LTAD while managing multiple resource constraints. A learning cycle was used to explore processes of embedded agency resulting in structural change. CSOs are conceptualized as juggling resource constraints while balancing conflicting institutional logics: the communitarian logic promoted by resource controllers such as municipalities and Provincial Sport Organizations, and the individualist logic followed by CSO members. The results of the study demonstrate how CSOs compete for resources while balancing these institutional pressures and how when possible, CSOs manipulate institutional factors to gain legitimacy and contingent access to resources. In this competitive environment, LTAD represents a new institutional pressure. CSOs determine whether to adopt LTAD in part based on whether resource controllers signal that compliance will bring legitimacy and enhance resource access. When resource- controlling organizations introduce standards like LTAD intended to improve CSO program quality, the unintended result can be inter-CSO competition for legitimacy that can lead to the systematic privileging of large CSOs at the expense of smaller ones, driving professionalization and potentially increasing costs of sport participation

what drives consumers to shop online?

Thesis(Master) -- KDI School: Master of Business Administration, 2012masterpublishedSagynov, Ese

Accounting and performance management perspectives in business and public sector organizations : conference proceedings : September 29-30 2005, Tartu

http://www.ester.ee/record=b2071235*es