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Internet banking in Jordan The unified theory of acceptance and use of technology (UTAUT) perspective

Internet banking in Jordan The unified theory of acceptance and use of technology (UTAUT)... Purpose – The purpose of this research is to investigate the key determinants of the adoption of internet banking in Jordan. The paper also attempts to validate the appropriateness of the Unified Theory of Acceptance and Use of Technology (UTAUT) within the context of internet banking. Design/methodology/approach – A questionnaire was developed based on previous work in the areas of technology acceptance and internet banking. The questionnaire was distributed through three banks in Jordan to customers as they enter each bank's main office. Multiple regressions were utilized to evaluate the collected data. Findings – The results of this study indicate that UTAUT provides a good foundation for future technology acceptance research. The three main predictors relevant to this study (performance expectancy, effort expectancy, and social influence) were significant and explained a significant amount of the variance in predicting a customer's intention to adopt internet banking. The results also indicate that gender moderated the relationships between the three independent variables and the dependent variable (behavioral intention). Research limitations/implications – This study did not follow‐up with respondents to determine if they actually adopted internet banking. Therefore, the results do not measure actual adoption. Originality/value – This study is one of the first to utilize the Unified Theory of Acceptance and Use of Technology (UTAUT) to the technology acceptance domain. It also provides a broader view of the technology acceptance decision in that the study took place in a non‐English speaking culture (Arabic – Jordan). http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Journal of Systems and Information Technology Emerald Publishing

Internet banking in Jordan The unified theory of acceptance and use of technology (UTAUT) perspective

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Publisher
Emerald Publishing
Copyright
Copyright © 2007 Emerald Group Publishing Limited. All rights reserved.
ISSN
1328-7265
DOI
10.1108/13287260710817700
Publisher site
See Article on Publisher Site

Abstract

Purpose – The purpose of this research is to investigate the key determinants of the adoption of internet banking in Jordan. The paper also attempts to validate the appropriateness of the Unified Theory of Acceptance and Use of Technology (UTAUT) within the context of internet banking. Design/methodology/approach – A questionnaire was developed based on previous work in the areas of technology acceptance and internet banking. The questionnaire was distributed through three banks in Jordan to customers as they enter each bank's main office. Multiple regressions were utilized to evaluate the collected data. Findings – The results of this study indicate that UTAUT provides a good foundation for future technology acceptance research. The three main predictors relevant to this study (performance expectancy, effort expectancy, and social influence) were significant and explained a significant amount of the variance in predicting a customer's intention to adopt internet banking. The results also indicate that gender moderated the relationships between the three independent variables and the dependent variable (behavioral intention). Research limitations/implications – This study did not follow‐up with respondents to determine if they actually adopted internet banking. Therefore, the results do not measure actual adoption. Originality/value – This study is one of the first to utilize the Unified Theory of Acceptance and Use of Technology (UTAUT) to the technology acceptance domain. It also provides a broader view of the technology acceptance decision in that the study took place in a non‐English speaking culture (Arabic – Jordan).

Journal

Journal of Systems and Information Technology – Emerald Publishing

Published: Aug 22, 2007

Keywords: Internet; Banking; Jordan; Consumer behaviour

References

  • Research report: the evolving relationship between general and specific computer self‐efficacy – an empirical assessment
    Agarwal, R.; Sambamurthy, V.; Stair, R.M.
  • Computer technology acceptance success factors in Saudi Arabia: an exploratory study
    Al‐Gahtani, S.S.
  • Toward a model for the acceptance of internet banking in developing countries
    Al Sukkar, A.; Hasan, H.
  • The drivers for acceptance of tablet PCs by faculty in a College of Business
    Anderson, J.E.; Schwager, P.H.; Kerns, R.L.