Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen

Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen

The issue of motivating consumers to use the banking system was solved in developed countries and in some Middle Eastern countries. However, it is still unpredictable in Yemen where the majority of the people do not use banking services to facilitate their financial needs. Therefore, it shapes a rea...

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Main Author: Al Qasa, Khaled Mohammed Ahmed
Format: Thesis
Language:eng
eng
Published: 2013
Subjects:
HG Finance
Online Access:https://etd.uum.edu.my/3480/1/s91044.pdf
https://etd.uum.edu.my/3480/7/Khaled%20Mohamed%202013.pdf
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id my-uum-etd.3480
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institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Md. Isa, Filzah
Othman, Siti Norezam
topic HG Finance
spellingShingle HG Finance
Al Qasa, Khaled Mohammed Ahmed
Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen
description The issue of motivating consumers to use the banking system was solved in developed countries and in some Middle Eastern countries. However, it is still unpredictable in Yemen where the majority of the people do not use banking services to facilitate their financial needs. Therefore, it shapes a real problem and negatively impacted the Yemeni economy. This research project aimed to provide better awareness of the variables that might affect people to use the Yemeni banking system by applying the theory of reasoned action. This study is cross-sectional, 850 questionnaires were distributed to part time university students. Multiple regression analysis was conducted to determine the contribution of independent variables in predicting behavioral intention, the dependent variable. Moreover, hierarchical regressions were used to test the effect of trust as a moderator variable. Eight variables of attitude and subjective norm were significantly and positively influence university student's behavioral intention to use banking services namely, attitude toward bank usage, attitude towards banking services, attitude toward service quality, attitude towards banking legal framework, social influence, recommendation by others on bank services, and bank advertisement. On the other hand, cultural belief was significant but in the negative direction. As well as, student’s trust had a statistically moderating effect with only three out of eight variables on the behavioral intention namely attitude toward bank usage, recommendation by others on bank services, cultural belief. The study had a significant contribution to the academic understanding of consumer's behavioral intention in Yemen, which might guide bankers and policy makers to use the right strategy in order to attract more consumers to use the banking system.
format Thesis
qualification_name Ph.D.
qualification_level Doctorate
author Al Qasa, Khaled Mohammed Ahmed
author_facet Al Qasa, Khaled Mohammed Ahmed
author_sort Al Qasa, Khaled Mohammed Ahmed
title Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen
title_short Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen
title_full Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen
title_fullStr Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen
title_full_unstemmed Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen
title_sort factors determining the purchase intention of bank services in the republic of yemen
granting_institution Universiti Utara Malaysia
granting_department Othman Yeop Abdullah Graduate School of Business
publishDate 2013
url https://etd.uum.edu.my/3480/1/s91044.pdf
https://etd.uum.edu.my/3480/7/Khaled%20Mohamed%202013.pdf
_version_ 1747827582340956160
spelling my-uum-etd.34802022-10-11T04:18:37Z Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen 2013-01 Al Qasa, Khaled Mohammed Ahmed Md. Isa, Filzah Othman, Siti Norezam Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance The issue of motivating consumers to use the banking system was solved in developed countries and in some Middle Eastern countries. However, it is still unpredictable in Yemen where the majority of the people do not use banking services to facilitate their financial needs. Therefore, it shapes a real problem and negatively impacted the Yemeni economy. This research project aimed to provide better awareness of the variables that might affect people to use the Yemeni banking system by applying the theory of reasoned action. This study is cross-sectional, 850 questionnaires were distributed to part time university students. Multiple regression analysis was conducted to determine the contribution of independent variables in predicting behavioral intention, the dependent variable. Moreover, hierarchical regressions were used to test the effect of trust as a moderator variable. Eight variables of attitude and subjective norm were significantly and positively influence university student's behavioral intention to use banking services namely, attitude toward bank usage, attitude towards banking services, attitude toward service quality, attitude towards banking legal framework, social influence, recommendation by others on bank services, and bank advertisement. On the other hand, cultural belief was significant but in the negative direction. As well as, student’s trust had a statistically moderating effect with only three out of eight variables on the behavioral intention namely attitude toward bank usage, recommendation by others on bank services, cultural belief. The study had a significant contribution to the academic understanding of consumer's behavioral intention in Yemen, which might guide bankers and policy makers to use the right strategy in order to attract more consumers to use the banking system. 2013-01 Thesis https://etd.uum.edu.my/3480/ https://etd.uum.edu.my/3480/1/s91044.pdf text eng public https://etd.uum.edu.my/3480/7/Khaled%20Mohamed%202013.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Abdel-Wahab, A. (2008). Modelling students’ intention to adopt e-learning: A case from Egypt. The Electronic Journal on Information Systems in Developing Countries, 34(1), 1-13. Abdulrasheed, A. (2000). Influence of personality variables on people's attitude towards usage of banks in llorin metropolis. Department of Accounting and Finance, University of llorin, llorin. Abdul Salam, D. (2008). Deposit insurance corporation banking will work on solving the problems of financial failure of the banks. 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