Understanding internet banking services and customer's adoption in Iraqi public universities

There is no doubt that internet banking services adoption represents a good opportunity for developing nations to attain greater economic development and growth, where the creation of added value is driven by information, knowledge and the adoption of information and communications technology. Alt...

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Main Author:	Alkafagi, Alaa Ahmed Chyad
Format:	Thesis
Language:	eng eng
Published:	2015
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/5435/1/s93587.pdf https://etd.uum.edu.my/5435/2/s93587_abstract.pdf
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id	my-uum-etd.5435
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Bahaudin, Ahmad Yusni Alekam, Jamal Mohammed Esmail
topic	HG Finance
spellingShingle	HG Finance Alkafagi, Alaa Ahmed Chyad Understanding internet banking services and customer's adoption in Iraqi public universities
description	There is no doubt that internet banking services adoption represents a good opportunity for developing nations to attain greater economic development and growth, where the creation of added value is driven by information, knowledge and the adoption of information and communications technology. Although a lot of researches provide evidence on the wide adoption of internet banking in developed nations, there are only limited researches in developing nations in the Middle East, specifically in Iraq. There is definitely a need in this country to identify the factors that could encourage and improve the understanding of internet banking services adoption. There is also a paucity of empirical researches on internet banking services adoption from the perspective of customers. Taking these into cognizance, this quantitative research aims to understand internet banking services adoption, by investigating the key factors that encourage customers to adopt internet banking in the Iraqi context, using the decomposed theory of planned behavior. The research framework consists of eighteen latent variables, fourteen exogenous variables (perceived usefulness, perceived ease of use, compatibility, trust, social recommendation, prestigious media, self-efficacy, government support, technology support, internet technology literacy, resistance to technology, perceived risk of technology, anxiety about technology and information on technology); and four endogenous variables (internet banking adoption, attitude, subjective norms and perceived behavioral control). In order to test the framework, a quantitative approach using the survey method is employed consisting of eighty two items with a seven-point Likert scale. Based on proportionate stratified random sampling, 535 out of 800 employees submitted completed questionnaires suitable for analysis (a 66.8% response rate). Findings of this study reveal that all the research hypotheses are supported except three, namely subjective norms, perceived behavioral control and information on technology towards internet banking services adoption, implying that the decomposed theory of planned behavior is an applicable underpinning theory for clarifying the important antecedents of internet banking services adoption in the Iraqi context.
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Alkafagi, Alaa Ahmed Chyad
author_facet	Alkafagi, Alaa Ahmed Chyad
author_sort	Alkafagi, Alaa Ahmed Chyad
title	Understanding internet banking services and customer's adoption in Iraqi public universities
title_short	Understanding internet banking services and customer's adoption in Iraqi public universities
title_full	Understanding internet banking services and customer's adoption in Iraqi public universities
title_fullStr	Understanding internet banking services and customer's adoption in Iraqi public universities
title_full_unstemmed	Understanding internet banking services and customer's adoption in Iraqi public universities
title_sort	understanding internet banking services and customer's adoption in iraqi public universities
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2015
url	https://etd.uum.edu.my/5435/1/s93587.pdf https://etd.uum.edu.my/5435/2/s93587_abstract.pdf
_version_	1747827933564633088
spelling	my-uum-etd.54352021-03-18T03:42:40Z Understanding internet banking services and customer's adoption in Iraqi public universities 2015 Alkafagi, Alaa Ahmed Chyad Bahaudin, Ahmad Yusni Alekam, Jamal Mohammed Esmail Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance There is no doubt that internet banking services adoption represents a good opportunity for developing nations to attain greater economic development and growth, where the creation of added value is driven by information, knowledge and the adoption of information and communications technology. Although a lot of researches provide evidence on the wide adoption of internet banking in developed nations, there are only limited researches in developing nations in the Middle East, specifically in Iraq. There is definitely a need in this country to identify the factors that could encourage and improve the understanding of internet banking services adoption. There is also a paucity of empirical researches on internet banking services adoption from the perspective of customers. Taking these into cognizance, this quantitative research aims to understand internet banking services adoption, by investigating the key factors that encourage customers to adopt internet banking in the Iraqi context, using the decomposed theory of planned behavior. The research framework consists of eighteen latent variables, fourteen exogenous variables (perceived usefulness, perceived ease of use, compatibility, trust, social recommendation, prestigious media, self-efficacy, government support, technology support, internet technology literacy, resistance to technology, perceived risk of technology, anxiety about technology and information on technology); and four endogenous variables (internet banking adoption, attitude, subjective norms and perceived behavioral control). In order to test the framework, a quantitative approach using the survey method is employed consisting of eighty two items with a seven-point Likert scale. Based on proportionate stratified random sampling, 535 out of 800 employees submitted completed questionnaires suitable for analysis (a 66.8% response rate). Findings of this study reveal that all the research hypotheses are supported except three, namely subjective norms, perceived behavioral control and information on technology towards internet banking services adoption, implying that the decomposed theory of planned behavior is an applicable underpinning theory for clarifying the important antecedents of internet banking services adoption in the Iraqi context. 2015 Thesis https://etd.uum.edu.my/5435/ https://etd.uum.edu.my/5435/1/s93587.pdf text eng public https://etd.uum.edu.my/5435/2/s93587_abstract.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Aawsat, (2011). 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