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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. 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

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Abstract

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.

Item Type: Article
Uncontrolled Keywords: Online Banking, Technology Acceptance Model, Perceived Ease of Use, Perceived Usefulness, Perceived Trust
Subjects: Q Science > QA Mathematics > QA75 Electronic computers. Computer science
Faculty/Division: Faculty of Computer System And Software Engineering
Depositing User: PM. Dr. Ruzaini Abdullah Arshah
Date Deposited: 07 Feb 2018 06:05
Last Modified: 07 Feb 2018 06:05
URI: http://umpir.ump.edu.my/id/eprint/20447
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