Authors : Ahmed M. Mutahar, Norzaidi Mohd Daud, T. Ramayah, Osama Isaac and Ibrahim Alrajawy
Abstract: The combination of wireless technology and mobile devices through wireless infrastructure has reshaped the delivery and both the use and delivery of financial services as mobile banking rapidly spreads worldwide. The purpose of this study is to test the external critical success factors that impact the intention to use mobile banking services in Yemen via an extended model of TAM (Technology Acceptance Model). Evaluation of the proposed model was done through a survey of 482 Yemeni individuals who are non-users of mobile banking services. Structural Equation Modelling (SEM) via AMOS was utilised to determine the relative importance of associations and interactions between the factors tested. As evidenced by the goodness of fit of the model to the data, the proposed research model explained 80% of the variance in intention to use mobile banking services. The multivariate analysis revealed that trialability and compatibility have a significant positive effect on Perceived Usefulness (PU) and Perceived Ease of Use (PEOU). Furthermore, PEOU and PU both have a positive important influence on the behavioural intention to use mobile banking services in Yemen. The moderating effect of income was also tested between perceived usefulness and perceived ease of use and intention and it was found that income only moderated the relationship between perceived ease of use and intention to use mobile banking. The results of the current study have the potential to give further insights into mobile banking strategies.
Ahmed M. Mutahar, Norzaidi Mohd Daud, T. Ramayah, Osama Isaac and Ibrahim Alrajawy, 2017. Integration of Innovation Diffusion Theory (IDT) and Technology Acceptance Model (TAM) to Understand Mobile Banking Acceptance in Yemen: The Moderating Effect of Income. International Journal of Soft Computing, 12: 164-177.