Investigating the Factors Influencing Customers’ Adoption of Online Banking in the United Arab Emirates

The goal of this paper is to increase the awareness of the exogenous factors that influence customers’ attitude in the United Arab Emirates (UAE) towards online banking in the light of the Technology Acceptance Model (TAM). The study investigates the effect of three exogenous factors namely computer self-efficacy, security issues, and website features on the TAM. The proposed modified TAM model has been tested with a survey sample of 461 which has been distributed among different customers in the UAE. The data has been analyzed using Structural Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships. The results strongly support the extended TAM model in predicating customers’ attitude towards online banking. It also demonstrates the significant effect of computer self-efficacy on customers’ attitude through perceived ease of use and perceived usefulness. The implications of integrating the proposed exogenous factors into the TAM are discussed and suggestions for future research. are presented

Factors and Impacts of Low Utilization of Internet: The Case of Arab Countries

The Arab countries are greatly behind in terms of their levels of Internet usage. The Arab countries are under pressures to adopt and promote digital transformation. Data in Arab countries are hard to get, resulting in paucity of understanding the factors that affect the use of Internet in Arab countries. This paper combines research from academic and major international organizational literature to examine and synthesize the current use of Internet in Arab Countries. The obstacles and the factors that affect the use and growth of Internet are language, government policies, culture, cost and technology. They are discussed with their impacts

Structuration analysis of accounting-based ERP system organizational change

Using a framework informed by Giddens (1984, 1990) notions of trust, agents’ reflexivity, ontological security, routines, dialectical of control and power, the study explores the political behaviors associated with the implementation of an Enterprise Resource Planning (ERP) system introduced in a public service organization operating in an emerging country – the United Arab Emirates (UAE). The study examines how organizational members’ political behavior emanates during the implementation of an accounting-based ERP system. Data collection methods included semi-structured interviews, documentary evidence, and personal observation. The case study evidence shows that the accounting-based ERP system facilitated organizational members’ reflexivity and critical reflection in re-assessing the pre and post ERP system ways of thinking. The findings also illustrate how trust (whether personal trust or system trust) plays a pivotal role in reinforcing the organisation power to change, and how the mistrust has become a source of power hindering organisational change. This power-based trust adds to Fincham (1992) and Hardy (1996) frameworks of power since they do not underscore the power of “trust and/or mistrust†and the antecedents of such “trust and/or mistrustâ€