Simple Search:

Determinants affecting customer’s intention to adopt mobile banking in Saudi Arabia


Alsheikh, Layla and Bojei, Jamil (2014) Determinants affecting customer’s intention to adopt mobile banking in Saudi Arabia. International Arab Journal of e-Technology, 3 (4). pp. 210-219. ISSN 1997-6364

Abstract / Synopsis

Mobile technologies and services are envisioned as the possible driving force that will create a variety of business opportunities. The objective of the present study is to determine the major factors that contribute towards customer’s intention to adopt mobile banking as electronic-financial services among commercial banks in Saudi Arabia. The research uses primary data and the unit of analysis is individuals who are non-users of mobile banking services. The study questionnaires were distributed to samples throughout Saudi Arabia concentrating on major cities. Four hundred and three valid responses were received and analyzed through multivariate analysis process using Structural Equation Modelling. The study shows that Mobile Phone Experience and Awareness of Service are critical in the comprehension of the technology and its related functionality and benefits while the lack of knowledge and information maximizes the perception of risk. The results also reveal that Performance Expectancy, Effort Expectancy and Perceived Risk are major predictors for adopting mobile banking services in the initial adoption stage. The principal conclusion is that mobile banking services should offer innovative services compared to existing competition services in a similar area, i.e. electronic-banking services. As demonstrated, differentiation can be attained by encompassing more benefit factors than sacrifice factors that create perceived value of adopting mobile banking services in the future.

Download File

PDF (Abstract)
Determinants affecting customer.pdf

Download (262kB) | Preview

Additional Metadata

Item Type: Article
Divisions: Faculty of Economics and Management
Putra Business School
Publisher: Arab Open University
Keywords: Mobile banking services; Saudi Arabia; Behavioural intention; Structural equation modelling
Depositing User: Nabilah Mustapa
Date Deposited: 18 Aug 2015 20:58
Last Modified: 24 Aug 2015 11:10
Statistic Details: View Download Statistic

Actions (login required)

View Item View Item