<abstract xmlns="http://www.w3.org/1999/xhtml"><bold>Purpose</bold> The main objective of this study is to expand the technology acceptance model (TAM) by examining the factors affecting the adoption of mobile banking services by the customers of Palestinian banks and to design a comprehensive model based on TAM and TPB and additional constructs.<bold>Design/methodology/approach</bold> This study used the quantitative approach with cross sectional research design and a questionnaire as a data tool. From the six big cities in Palestine, we surveyed 1000 banking consumers. The samples include different characteristics. For construct relationship analysis this study applied partial least squares (PLS).<bold>Findings</bold> The study framework provides a complete view of mobile banking services. This framework takes into consideration more determinants for prediction than other studies on the adoption of innovations. The results of using this model managed to clarify nearly 77.4 percent of the dependent variable (intention to adopt mobile banking service) variation. This is a much greater value than those of the previous studies. Moreover, this study found that the perceived risk has a negative effect on consumers’ intention to use mobile banking services. Attitude, facilitating conditions, perceived ease of use, website usability, and perceived trust were identified as the important variables that have a significant positive effect on the consumers’ intention to use mobile banking services in Palestine.<bold>Originality/value</bold> – the findings can be used by financial institutions and banks to enhance the usage rate of consumers’ adoption and to develop their strategies.</abstract>

Purpose The main objective of this study is to expand the technology acceptance model (TAM) by examining the factors affecting the adoption of mobile banking services by the customers of Palestinian banks and to design a comprehensive model based on TAM and TPB and additional constructs.Design/methodology/approach This study used the quantitative approach with cross sectional research design and a questionnaire as a data tool. From the six big cities in Palestine, we surveyed 1000 banking consumers. The samples include different characteristics. For construct relationship analysis this study applied partial least squares (PLS).Findings The study framework provides a complete view of mobile banking services. This framework takes into consideration more determinants for prediction than other studies on the adoption of innovations. The results of using this model managed to clarify nearly 77.4 percent of the dependent variable (intention to adopt mobile banking service) variation. This is a much greater value than those of the previous studies. Moreover, this study found that the perceived risk has a negative effect on consumers’ intention to use mobile banking services. Attitude, facilitating conditions, perceived ease of use, website usability, and perceived trust were identified as the important variables that have a significant positive effect on the consumers’ intention to use mobile banking services in Palestine.Originality/value – the findings can be used by financial institutions and banks to enhance the usage rate of consumers’ adoption and to develop their strategies.

Expanding TAM and Investigating the Factors that Effect Consumer Intention to Adopt Mobile Banking in Palestine

Financial Internet Quarterly

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 3.0 License.

Purpose The main objective of this study is to expand the technology acceptance model (TAM) by examining the factors affecting the adoption of mobile banking...

Expanding TAM and Investigating the Factors that Effect Consumer Intention to Adopt Mobile Banking in Palestine

Published Online: Sep 30, 2020

Page range: 29 - 50

Received: Aug 31, 2020

Accepted: Sep 25, 2020

DOI: https://doi.org/10.2478/fiqf-2020-0017

Keywords
banking e-services, TPB, TAM, technology adoption, attitude, institutions, Palestine

© 2020 Haitham Jouda, published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 3.0 License.

Expanding TAM and Investigating the Factors that Effect Consumer Intention to Adopt Mobile Banking in Palestine

Published Online: Sep 30, 2020

Page range: 29 - 50

Received: Aug 31, 2020

Accepted: Sep 25, 2020

DOI: https://doi.org/10.2478/fiqf-2020-0017

Keywordsbanking e-services, TPB, TAM, technology adoption, attitude, institutions, Palestine

© 2020 Haitham Jouda, published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 3.0 License.

Keywords
banking e-services, TPB, TAM, technology adoption, attitude, institutions, Palestine