Purpose The purpose of this paper is to investigate the essential factors influencing the adoption and use of e-banking services as perceived by customers of the Jordanian commercial banks. Design/methodology/approach This paper adapts and modifies the unified theory of acceptance and use of the technology model. Modifications were made to explain intention to use e-banking services. Findings The modified model explained 0.887 of behavior intention variance and 0.516 percent of the intended degree of e-banking services use variance. Three constructs are found to be good predictors: effort expectancy (EE), social influence, and perceived e-banking services quality. Performance expectancy and hedonic motivation are not significant predictors. However, all three predictors were significantly moderated by age only. Research limitations/implications As with any research in the field of IT adoption and consumer behavior, researchers should take into consideration the generalization of their empirical findings. The generalization could be enhanced if future research uses the Jordanian baking sector which includes Jordanian and non-Jordanian banks. Finally, the current research findings are based on the cross-sectional research method. Taking this fact into consideration, the relation between intention and actual use may raise questions. One solution is to study intention and actual use at different points in time by conducting longitudinal research to access and test the research hypotheses. Practical implications Managers need to focus on promoting e-banking services in terms of consumer’s EE, social influence, and e-banking service quality. Since young consumers are early adopters, Jordanian banks need to introduce added entertainment values for youth and extra convenience for older consumers. Originality/value The main contributions revolve around developing a better understanding of the essential factors influencing the adoption and use of e-banking services. This research incorporates a new variable: perceived e-banking quality. Thus, the proposed model provides better explanatory power than previous research.

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PurposeThe research identifies the predictors of Islamic mobile banking (IMB) smart services adoption and usage in Jordan.Design/methodology/approachBased on the Unified Theory of the Acceptance and Use of Technology (UTAUT) and the Unified Theory of the Acceptance and Use of Technology 2 (UTAUT2), an extended and modified model that encompasses perceived trust was developed. The sample comprised 358 customers from Islamic banks (IBs) in Jordan, and structural equation modelling was applied to examine data drawn from the sample.FindingsThe research framework presented 0.728% of the behavioural intention variance and 0.455% of the use behaviour. Results discovered that performance expectancy, perceived trust and hedonic motivation have significant relations with behavioural intention. The finding that effort expectancy has an insignificant effect and that social influence has a significant negative influence on behavioural intention was unexpected.Research limitations/implicationsThe research has successfully verified the effect of performance expectancy, perceived trust and hedonic motivation on the customer's intention to use IMB smart services. However, the research data findings are based on the cross-sectional design.Practical implicationsThe outcomes hold implications for marketing strategy makers who are responsible for promoting IMB smart services in IBs.Originality/valueThis research presents a deeper insight into IMB adoption and use. The research employed UTAUT and UTAUT2 as the baseline model and incorporates perceived trust to estimate behavioural intention. To the best of the authors' knowledge, this could be the first inquiry that examines IMB smart services adoption and use in Jordan.

This research aims to provide a predictive model of essential factors influencing the behavioral intention to use sustainable cloud-based quality management systems among academics in Jordan. A comprehensive research model was developed based on the Unified Theory of Acceptance and Use of Technology (UTAUT2) and the Theory of Planned Behavior (TPB), which was tested using cross-sectional data. The research sample covers Jordanian higher education institutions (23 governmental and private universities), and the unit of analysis includes 500 academics. The research adapts and modifies the UTAUT2 model and TPB to explain behavioral intention to use sustainable cloud-based quality management systems in developing countries. The proposed model explained 0.478 percent of behavioral intention variance and 0.127 percent of the user behavior variance. Three constructs are found to be significant predictors: perceived behavioral control, performance expectancy, and facilitating conditions. The attitude toward the behavior and subjective norm are not significant predictors. The research contributes to the literature in several ways. First, it extends previous studies by examining predictors of the behavioral intention to use SCQMS in higher education institutions. Second, it provides rigorous empirical evidence that incorporating the UTAUT2 model with the TPB produced a substantial improvement in the variance explained in behavioral intention compared to the prior research conducted in developing contexts. Third, this research provides useful insight into university management. The research provides a better understanding of the essential factors influencing the behavior intention to use sustainable cloud-based quality management systems in Jordanian Universities. Thus, the research model provides better explanatory power than previous studies in business literature and developing markets.