The Antecedents of Internet Banking Service Adoption in Jordan: Using Decomposed Theory of Planned Behavior
Although Internet banking services have been widely adopted in developed countries, there is still low usage in developing countries such as Jordan. There is a limited empirical research on Internet banking services in this country despite being a necessity to adopt research on Internet banking ser...
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| Format: | Thesis |
| Language: | eng eng |
| Published: |
2011
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| Subjects: | |
| Online Access: | https://etd.uum.edu.my/2432/1/Malek_Mohammad_Al-Majali.pdf https://etd.uum.edu.my/2432/2/1.Malek_Mohammad_Al-Majali.pdf |
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| Summary: | Although Internet banking services have been widely adopted in developed countries, there is still low usage in developing countries such as Jordan. There is a limited
empirical research on Internet banking services in this country despite being a necessity to adopt research on Internet banking service. Among the aims of this quantitative research are to empirically determine the significant antecedents of Internet Banking Service Adoption (IBSA), antecedents of attitude, antecedents of subjective norm and antecedents of perceived behaviour control as well as to explain how the Decomposed Theory of Planned Behaviour (DTPB) is being used in determining the antecedent of IBSA in Jordan. The research framework consists of sixteen (16) latent variables, twelve(12) exogenous variables and four (4) endogenous variables. Using an adopted survey instrument, seventy-eight items (7-point-likert scale) is used and one variable is adapted
in the process of collecting the pertaining data. Out of the 700 samples in four universities located in three areas (South, Middle and North), 517 respondents (76% response rate) were eventually used to further analyze the data using mainly Structural Equation Modelling (SEM) to investigate causal and mediating relationships between
latent variables. The findings of the research reveal that attitude, subjective norm and perceived behaviour control are significant and positive antecedents of the IBSA. It also indicates that perceived usefulness, trialability, trust and awareness are significant as well as positive antecedents in terms of attitude of customers toward IBSA, while perceived risk is significant and a negative antecedent of attitude toward IBSA. It is found that, however, perceived ease of use and compatibility are insignificant antecedents of attitude toward IBSA. The results of the findings indicate that subjective norm has two significant antecedents - family influence and mass media influence. It also shows that self-efficacy and government support seem to be significant and positive antecedents of perceived behaviour control whereas technology support is insignificant. It can be concluded that DTPB is found to be a good and suitable underpinning theory to explain IBSA antecedents in Jordan by achievement of model goodness of fit for the GOF index. The research study also discusses past empirical findings and its practical applications and implications for Jordanian contexts. |
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