Challenges and Factors Influencing the Adoption of Internet Banking in Qatar

Abstract

The evolution of the Internet and smartphones, people are able to use Internet banking (IB). In addition, banks are able to reduce their operational costs and attract more customers when utilizing IB. The Covid-19 Virus outbreak in encouraged clients to use IB to limit their physical interactions with others. This research utilized the extended Unified Theory for Acceptance and Use of Technology (UTAUT-II) to assess how bank customers adopt IB. 375 online surveys were collected to test eight hypotheses. Results indicated that Performance Expectancy, Social Influence, Security, and Habit were significant predictors of the behavioral intentions to use IB, while Effort Expectancy, Facilitating Conditions, Perceived Value, were insignificant. Age was used as a moderator to habit-behavioral intentions relationship, but data failed to support its role. The overall coefficient of determination was 0.86, which exceeded the original model. Further discussions and conclusions are reported at the end of the paper.

Factors Influencing the Adoption of Mobile Banking Applications in Yemen Using an Extended Technology Acceptance Model

“…Consequently, it is worth pointing out that, there is a wildly understanding of the importance of the external factors that would increase the intention of customers toward mobile banking applications that facilitate their daily life transactions. Knowing that, several banks have applied Mobile banking applications in their business transactions for the same reason such as the USA, UK, China, India, Finland, Singapore, Thailand, Malesia, Saudi Arabia [2,5,10,12,13], and Qatar [14] whereas in Yemen, MBA is still in its initial stage, therefore this study has concentrated on that affection of MBA on Yemeni environment, in this study there is no special tool that used to include factors affected on Yemeni environment; all the selected factors were carefully chosen based on the most affected factors in the developed and developing countries. In addition, several meetings with some marketing employees in Yemeni banks such as Corporation Agriculture Credit (CAC) Bank, and International Bank of Yemen (IBY) have been done to gain the most important factors that affected on customer's satisfaction ratio.…”