The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust

The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust

Trust is essential for all online transactions adoption and usage including online banking. In this paper, online banking trust was addressed through empirical evidence from the survey conducted in Jordanian commercial banks. An extended Technology Acceptance Model (TAM) framework used in this study...

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Main Authors: Al-Sharafi, Mohammed A., Ruzaini, Abdullah Arshah, Herzallah, Fadi A. T., Alajmi, Qasim
Format: Article
Language:English
Published: Penerbit UTM Press 2017
Subjects:
QA75 Electronic computers. Computer science
Online Access:http://umpir.ump.edu.my/id/eprint/20447/
http://umpir.ump.edu.my/id/eprint/20447/
http://umpir.ump.edu.my/id/eprint/20447/2/2017%20-%20Alsharafi%20139-356-1-PB.pdf
id ump-20447
recordtype eprints
spelling ump-204472018-02-07T06:05:49Z http://umpir.ump.edu.my/id/eprint/20447/ The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust Al-Sharafi, Mohammed A. Ruzaini, Abdullah Arshah Herzallah, Fadi A. T. Alajmi, Qasim QA75 Electronic computers. Computer science Trust is essential for all online transactions adoption and usage including online banking. In this paper, online banking trust was addressed through empirical evidence from the survey conducted in Jordanian commercial banks. An extended Technology Acceptance Model (TAM) framework used in this study. Partial Least Squares (PLS) used to analyze the data, which was composed of 198 questionnaires conducted with bank’s customers in Jordan. The results confirm that trust increases if users perceive online banking to be useful whereas perceived ease of use fails to predict Jordanians’ intention to accept and use online banking. Perceived trust also mediates partially the impact of perceived usefulness on the intention to use online banking services. The findings from this study are useful for policy makers, banking sectors and financial practitioners to enhance the use of online banking services among Jordanians. Penerbit UTM Press 2017-06-01 Article PeerReviewed application/pdf en http://umpir.ump.edu.my/id/eprint/20447/2/2017%20-%20Alsharafi%20139-356-1-PB.pdf Al-Sharafi, Mohammed A. and Ruzaini, Abdullah Arshah and Herzallah, Fadi A. T. and Alajmi, Qasim (2017) The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust. International Journal of Innovative Computing, 7 (1 ). pp. 9-14. ISSN 2180-4370 http://ijic.fc.utm.my/index.php/ijic/article/view/139
repository_type Digital Repository
institution_category Local University
institution Universiti Malaysia Pahang
building UMP Institutional Repository
collection Online Access
language English
topic QA75 Electronic computers. Computer science
spellingShingle QA75 Electronic computers. Computer science
Al-Sharafi, Mohammed A.
Ruzaini, Abdullah Arshah
Herzallah, Fadi A. T.
Alajmi, Qasim
The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust
description Trust is essential for all online transactions adoption and usage including online banking. In this paper, online banking trust was addressed through empirical evidence from the survey conducted in Jordanian commercial banks. An extended Technology Acceptance Model (TAM) framework used in this study. Partial Least Squares (PLS) used to analyze the data, which was composed of 198 questionnaires conducted with bank’s customers in Jordan. The results confirm that trust increases if users perceive online banking to be useful whereas perceived ease of use fails to predict Jordanians’ intention to accept and use online banking. Perceived trust also mediates partially the impact of perceived usefulness on the intention to use online banking services. The findings from this study are useful for policy makers, banking sectors and financial practitioners to enhance the use of online banking services among Jordanians.
format Article
author Al-Sharafi, Mohammed A.
Ruzaini, Abdullah Arshah
Herzallah, Fadi A. T.
Alajmi, Qasim
author_facet Al-Sharafi, Mohammed A.
Ruzaini, Abdullah Arshah
Herzallah, Fadi A. T.
Alajmi, Qasim
author_sort Al-Sharafi, Mohammed A.
title The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust
title_short The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust
title_full The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust
title_fullStr The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust
title_full_unstemmed The Effect of Perceived Ease of Use and Usefulness on Customers Intention to Use Online Banking Services: The Mediating Role of Perceived Trust
title_sort effect of perceived ease of use and usefulness on customers intention to use online banking services: the mediating role of perceived trust
publisher Penerbit UTM Press
publishDate 2017
url http://umpir.ump.edu.my/id/eprint/20447/
http://umpir.ump.edu.my/id/eprint/20447/
http://umpir.ump.edu.my/id/eprint/20447/2/2017%20-%20Alsharafi%20139-356-1-PB.pdf
first_indexed 2023-09-18T22:29:28Z
last_indexed 2023-09-18T22:29:28Z
_version_ 1777416188876292096

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