This study examines the ability and application of the theory of reasoned action (TRA) in explaining the use of banking system in Yemen. It investigates the impact of two theoretical variables (attitude and subjective norms), using a sample consists of university students, on individuals' intention to use banking services. The results of the study revealed a strong predictive power of the theory of reasoned action model to explain university students' behavioural intention to use banking services. Statistically, the finding demonstrated that there are significant and positive relationships between students' attitude, subjective norm as predictor variables on the criterion variable of behavioural intention to use banking services in the context of
Electronic government (EG) refers to a computer application employed in government activities and operations, where both government and the public are enabled to interact and transact online. The practicability of EG has not been largely explored in the context of Iraq, owing to the conflicting activities it has been experiencing in the past few years. Prior to EG adoption, variables have to be examined such as infrastructure, social factors, security, skills, users' behavior etc. The present study aims at examining the related variables that could potentially bar the EG services adoption in Iraq with the help of the Unified Theory of Acceptance and Use of Technology (UTAUT). Three independent variables are examined namely effort expectancy, performance expectancy, and social influence -the influence of these variables on the EG services uses as the dependent variable is examined. The study proposes a quantitative examination of the EG services usage behavior with data gathered from Iraq. The study findings are then discussed.
With the rapid growth in the Malaysian automotive industry, brand loyalty has become a major issue for a majority of the automobile brands. Market shares for national brand automobiles had been on the declining stage since 2011, from 56.4 per cent to 46.8 per cent in 2014. The objectives of this study are to verify the factors that affect consumers’ perception towards brand loyalty by studying the relationships between three important factors: which are service quality, marketing-mix strategy, and country-of-origin, on brand loyalty. A postal mail survey using judgmental, cluster and simple random sampling of Malaysian consumers in the Klang Valley yielded 413 respondents of which 381 samples are usable. Regression was used to analyse the relationships between the variables. Results showed that marketing-mix strategy and country-of-origin have significant relationships with brand loyalty. However, service quality does not have any significant relationship with brand loyalty. The findings of this study, while contributing to the body of knowledge may also assist policy makers and marketers in their sustainability efforts. Keywords: brand loyalty, service quality, marketing-mix strategy, countryof-origin, Malaysia
In the context of developed countries and in several Middle Eastern countries, the problem of motivating consumers to make use of banking services has been resolved. However, in Yemen, majority of the citizens are non-bank users. This fact leads to a major issue and negatively affects the economy of the country. In this regard, the present study aims to shed a light on the factors that have the potential to influence Yemeni citizen's use of the country's banking system like service quality and Yemeni culture. For this purpose, 850 questionnaires were distributed to part-time university going students. Data collected was analyzed with the help of correlation and multiple regression analysis to determine the factors prediction of the behavioral intention to use Yemeni banking system. The results showed the positive and significant effect of service quality and the significant and negative effect of culture on the consumers' use of Yemeni banking system. Moreover, hierarchical regressions were used to test the effect of trust as a moderator variable. Student's trust had a statistically moderating the relationship between cultural belief and intention but in the negative direction. The study contributes to the academic understanding of the behavioral intention of consumers in the context of Yemen and to the practitioners and policy makers use of the effective strategy to attract customers to the country's banking system.
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