Consumer Online Behaviour: A perspective on Internet Banking Usage in Three Non-western Countries

AlQeisi, Kholoud; Hegazy, Ahmed abou elfadl

doi:10.1016/s2212-5671(15)00347-0

Cited by 16 publications

(11 citation statements)

References 11 publications

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“…Most banking institutions in the developed countries have moved away from the traditional forms of banking to undertake transactions over the internet. Most of them have a completely automated online system; thus, customers are likely to enjoy most, if not all, of the perceived benefits of Internet banking (Al-Qeisi & Hegazy, 2015). Conversely, the rate of use of Internet banking is relatively lower in developing nations.…”

Section: Literature Reviewmentioning

confidence: 99%

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Jantan

Ali

et al. 2019

JIBM

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Internet banking experience varies across different situations in various countries and, in turn, generate dissimilar attitudes and behaviours of banking customers. One region that is experiencing difficulties related to Internet banking and where bank managers remain unsuccessful in persuading bank customers to adopt Internet banking is Iraqi Kurdistan Region (IKR). To enhance the extant knowledge of the reasons behind this issue, the current research focused on identifying the determinants of Internet banking adoption in IKR and sought to investigate the effect of benefit factors (perceived usefulness, perceived ease of use, and perceived system quality) and sacrifice factors (perceived cost and perceived risk) on behavioural intention to use and, in turn, actual use of internet banking in IKR. To achieve this aim, this research conceptualized a model inspired by Technology Acceptance Model (TAM). The study conducted a quantitative approach and used a self-administrated questionnaire as the research instrument. Data were collected from 412 respondents. Structural Equations Modelling (SEM) was applied as the suitable inferential analytical method for analysing the data. The results generated revealed the significant role of perceived usefulness, perceived ease of use, perceived system quality and perceived risk on behavioural intention to use Internet banking. This research theoretically and practically contributed to knowledge through clarifying the perception of bank customers toward adopting Internet banking in IKR and revealing the importance of benefit and sacrifice factors in explaining behavioural intention to use Internet banking. Keywords: Benefit Factors, Sacrifice Factors, Internet Banking Adoption.

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Section: Literature Reviewmentioning

confidence: 99%

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Jantan

Ali

et al. 2019

JIBM

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“…Facilitating Conditions are defined as the degree to which an individual believes that an organisational and technical infrastructure exists to support the use of the system (Venkatesh et al, 2003).In contrast, Al-Qeisi and Hegazy (2015) found that facilitating conditions were not strong determinants of usage behaviour.…”

Section: Yadgar Taha M Hamakhanmentioning

confidence: 96%

“…lIterature revIew and research hypothesIs E-banking has simplified financial transactions through different technological platforms, whether it is an automated teller machine (ATM), computer, mobile phone or tablet in order to access information on a customer's account via electronic service (online service) (Harris et al, 2016;Butt & Aftab, 2013), instead of a visit to a brickand-mortar banking branch (offline service) (Daniel, 1999;Lee & Lee, 2000).The necessity of E-Banking services with the new generation's lifestyle today is reached by different levels of technology innovations (Khan, 2018;Chawla & Joshi, 2017;Aljanabi & Dileep, 2012;Rahomee et al, 2014;Aljanabi & nor azila, 2015aAljanabi & nor azila, , 2015bAlkhaffaf & Abdulqadir, 2016;Mohd Noor & Abdulqadir, 2016;Aljanabi & Dileep, 2013). E-banking provides self-service technologies in an electronic environment (Shih & Fang, 2004;Hoehle et al, 2016).Moreover, it is quite obvious that an E-banking system goes up against the traditional banking system (offline banking) (Floh & Treiblmaier, 2006;Kingshott et al, 2018) for many reasons, such as cost (Luarn & Lin, 2004;Abrahão et al, 2016), time (Hanafizadeh & Khedmatgozar, 2012), knowledge of IT (Mallat et al, 2009;Luo et al, 2010) geographic expanse, pollution, traffic jams, parking problems, saving trees (paperless transactions), for better management (Claro &Rosa, 2016), attracting more customers (Mann & Sahni, 2012) through different communication channels such as social media, mass media (Tran & Corner, 2016), e-service (Al-Qeisi & Hegazy, 2015) and financial performance of community banks (Acharya et al, 2008).…”

Section: Yadgar Taha M Hamakhanmentioning

confidence: 99%

An Empirical Investigation of E-Banking in the Kurdistan Region of Iraq: The Moderating Effect of Attitude

Hamakhan

2020

E-Finanse

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JEL classification: G210The banking industry is one of the most important industries in developing countries, thus it plays a major role in the financial industry. Moreover, e-banking has simplified financial transactions. This study investigates the effect of individual factors on user behaviour and the moderating effect of attitude on the relationship between individual factors and user behaviour based on the Unified Theory of Acceptance and Use of Technology. A model suggests a second-order components research framework that improves current explanations of electronic banking channel services acceptance and sheds light on the role of attitude on the acceptance of electronic banking channel services which is the most important key concern. Data were collected using an online questionnaire with 476 valid responses from academic staff who work at the University of Sulaimani; the model has been tested using the Partial Least Squares-Structural Equation Modeling approach. The results show that individual factors have a positive effect on user behaviour and also show that attitude has a negative effect on the relationship between individual factors and user behaviour as a moderator.

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“…On the other hand, technology is one of the problems for a lot of people nowadays in developing countries, many of them avoid it due to its risk and they do not feel comfortable with it, particularly older generations who are not ready to use it. An empirical study in Yemen determined that attitude, subjective norm and technology readiness are considered most influential factors on individuals' intention to adopt internet banking services (Alsajjan & Dennis, 2009;Al-Ajam & Md Nor, 2013;Al-Qeisi & Hegazy, 2015).…”

Section: A Review Of the Literaturementioning

confidence: 99%

An Essential Review of Internet Banking Services in Developing Countries

Khan

2019

E-Finanse

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JEL classification: M3In the absence of a literature review for an adoption of internet banking in developing countries, this study was conducted to review and summarize the most evaluated articles in the literature. The significance of this work came from three concepts which are to highlight the concepts of research in developing countries, to accentuate the dominant models which have been used effectively in analyzing the constructs in adopting internet banking, and thirdly, to shed some light on the gaps in the potential applications for the system in the future. The Technology Acceptance Model, Theory of Reasoned Action, Theory of Planned Behaviour, Unified Theory of Acceptance and Use of Technology and Self Designed models have been used by most of the researchers in this review with a higher frequency of the Technology Acceptance Model among them. The results from this review are limited to 28 articles which were selected from a total of 110. The sources were from the search engines of Science Direct, Emerald Insight, Growing Science, International Business Information Management Association and Canadian Central of Science and Education and other different types of journal publications. The factors revealed to have important effects on the acceptance and adoption of the system were trust, perceived ease of use, and perceived usefulness, security and privacy and social influences.

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Consumer Online Behaviour: A perspective on Internet Banking Usage in Three Non-western Countries

Cited by 16 publications

References 11 publications

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

An Empirical Investigation of E-Banking in the Kurdistan Region of Iraq: The Moderating Effect of Attitude

An Essential Review of Internet Banking Services in Developing Countries

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