Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates

Green Banking (GB) is encouraging environment-friendly practices and reducing the carbon footprint from banking operations by promoting paperless financial services based on the intensive use of technology. However, the adoption level of GB technology remains unsatisfactory among bank customers in t...

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Main Author:	Bouteraa, Mohamed
Format:	Thesis
Language:	eng eng
Published:	2022
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/10561/1/depositpermission_s903298.pdf https://etd.uum.edu.my/10561/2/s903298-01.pdf
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id	my-uum-etd.10561
record_format	uketd_dc
spelling	my-uum-etd.105612023-07-16T01:05:52Z Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates 2022 Bouteraa, Mohamed Raja Hisham, Raja Rizal Iskandar Zainol, Zairani Islamic Business School Islamic Business School HG Finance Green Banking (GB) is encouraging environment-friendly practices and reducing the carbon footprint from banking operations by promoting paperless financial services based on the intensive use of technology. However, the adoption level of GB technology remains unsatisfactory among bank customers in the United Arab Emirates. This study explored the dimensions of individual, technological, organisational, environmental and religious determinants of the phenomenon. The study further extended the Unified Theory of Acceptance and Use of Technology (UTAUT) by examining the identified dimensions’ effect on customers’ intention to adopt GB technology, alongside the moderating role of gender, age and experience. The exploratory sequential mixed-method design was deployed in this study. A preliminary semi-structured interview was conducted among ten bank professionals to explore the dimensions of the predetermined determinants. The qualitative findings using the Thematic Content Analysis (TCA) revealed the related dimensions affecting customers’ adoption of GB technology. The developed research model was validated via a cross-sectional survey of 332 Islamic bank customers. The quantitative results using the Partial Least Squares Structural Equation Modelling (PLS-SEM) confirmed the significant impact of performance expectancy, facilitating condition, customer awareness, personal innovativeness, perceived benefit, system quality and bank reputation on customers’ intention to adopt GB technology. The moderating results using Multi-Group Analysis (MGA) revealed that only gender affects the relationship between performance expectancy and customers’ intention to adopt GB technology. This study has significant theoretical, methodological and practical contributions to enhance the understanding of customers’ intention to adopt GB technology. The study could also assist bankers in designing effective strategies to diminish customers’ resistance of GB technology through the applicability of the newly proposed factors. Reflecting the moderating influence of gender provides an in-depth clarification for policy-makers in pitching GB technology to relevant customers with minimal waste of resources by formulating distinct strategies for dynamic demographic segments. 2022 Thesis https://etd.uum.edu.my/10561/ https://etd.uum.edu.my/10561/1/depositpermission_s903298.pdf text eng staffonly https://etd.uum.edu.my/10561/2/s903298-01.pdf text eng public other doctoral Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Raja Hisham, Raja Rizal Iskandar Zainol, Zairani
topic	HG Finance
spellingShingle	HG Finance Bouteraa, Mohamed Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates
description	Green Banking (GB) is encouraging environment-friendly practices and reducing the carbon footprint from banking operations by promoting paperless financial services based on the intensive use of technology. However, the adoption level of GB technology remains unsatisfactory among bank customers in the United Arab Emirates. This study explored the dimensions of individual, technological, organisational, environmental and religious determinants of the phenomenon. The study further extended the Unified Theory of Acceptance and Use of Technology (UTAUT) by examining the identified dimensions’ effect on customers’ intention to adopt GB technology, alongside the moderating role of gender, age and experience. The exploratory sequential mixed-method design was deployed in this study. A preliminary semi-structured interview was conducted among ten bank professionals to explore the dimensions of the predetermined determinants. The qualitative findings using the Thematic Content Analysis (TCA) revealed the related dimensions affecting customers’ adoption of GB technology. The developed research model was validated via a cross-sectional survey of 332 Islamic bank customers. The quantitative results using the Partial Least Squares Structural Equation Modelling (PLS-SEM) confirmed the significant impact of performance expectancy, facilitating condition, customer awareness, personal innovativeness, perceived benefit, system quality and bank reputation on customers’ intention to adopt GB technology. The moderating results using Multi-Group Analysis (MGA) revealed that only gender affects the relationship between performance expectancy and customers’ intention to adopt GB technology. This study has significant theoretical, methodological and practical contributions to enhance the understanding of customers’ intention to adopt GB technology. The study could also assist bankers in designing effective strategies to diminish customers’ resistance of GB technology through the applicability of the newly proposed factors. Reflecting the moderating influence of gender provides an in-depth clarification for policy-makers in pitching GB technology to relevant customers with minimal waste of resources by formulating distinct strategies for dynamic demographic segments.
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Bouteraa, Mohamed
author_facet	Bouteraa, Mohamed
author_sort	Bouteraa, Mohamed
title	Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates
title_short	Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates
title_full	Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates
title_fullStr	Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates
title_full_unstemmed	Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates
title_sort	determinants of customers’ intention to adopt green banking technology services within islamic banks of the united arab emirates
granting_institution	Universiti Utara Malaysia
granting_department	Islamic Business School
publishDate	2022
url	https://etd.uum.edu.my/10561/1/depositpermission_s903298.pdf https://etd.uum.edu.my/10561/2/s903298-01.pdf
_version_	1776103842975318016

Determinants of customers’ intention to adopt green banking technology services within Islamic banks of the United Arab Emirates

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