Open Access

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

   | Sep 30, 2020

Cite

Abbad, M.M. (2013). E-banking in Jordan. Behaviour and Information Technology, 32(7), 681–694. https://doi.org/10.1080/0144929X.2011.58672510.1080/0144929X.2011.586725Search in Google Scholar

Aboelmaged, M.G., Gebba, T.R. (2013). Mobile Banking Adoption : An Examination of Technology Acceptance Model and Theory of Planned Behavior. International Journal of Business Research and Development, 2(1), 35–50. https://doi.org/10.1007/978-3-531-92534-9_1210.1007/978-3-531-92534-9_12Search in Google Scholar

Aboobucker, I., Bao, Y. (2018). What Obstructs Customer Acceptance of Internet Banking? Security and Privacy, Risk, Trust and Website Usability and the Role of Moderators. Journal of High Technology Management Research, (xxxx), 0–1. https://doi.org/10.1016/j.hitech.2018.04.01010.1016/j.hitech.2018.04.010Search in Google Scholar

Adams, D.A., Nelson, R.R., Todd, P.A. (1992). Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication. MIS Quarterly, 227–247.10.2307/249577Search in Google Scholar

Ahmad, A.M.K., Al-Zu’bi, H.A. (2011). E-banking Functionality and Outcomes of Customer Satisfaction: an Empirical Investigation. International Journal of Marketing Studies, 3(1), 50.Search in Google Scholar

Ajzen, I., Fishbein, M. (1975). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Reading, MA: Addison-Wesley.Search in Google Scholar

Ajzen, I., Fishbein, M. (1977). Attitude-behavior Relations: A Theoretical Analysis and Review of Empirical Research. Psychological Bulletin, 84(5), 888–918. https://doi.org/10.1037/0033-2909.84.5.88810.1037/0033-2909.84.5.888Search in Google Scholar

Ajzen, I., Fishbein, M. (1980). Understanding Attitudes and Predicting Social Behaviour.Search in Google Scholar

Akhlaq, A., Ahmed, E. (2013). The Effect of Motivation on Trust in the Acceptance of Internet Banking in a Low Income Country. International Journal of Bank Marketing, 31(2), 115–125. https://doi.org/10.1108/0265232131129869010.1108/02652321311298690Search in Google Scholar

Akturan, U., Tezcan, N. (2012). Mobile Banking Adoption of the Youth Market: Perceptions and Intentions. Marketing Intelligence & Planning, 30(4), 444–459.10.1108/02634501211231928Search in Google Scholar

Al-Gahtani, S.S. (2011). Modeling the Electronic Transactions Acceptance Using an Extended Technology Acceptance Model. Applied Computing and Informatics, 9(1), 47–77.10.1016/j.aci.2009.04.001Search in Google Scholar

Al-Qeisi, K.I. (2009). Analyzing the Use of UTAUT Model in Explaining an Online Behaviour: Internet Banking Adoption. Brunel University Brunel Business School PhD Theses.Search in Google Scholar

Al-Somali, S.A., Gholami, R., Clegg, B. (2009). An Investigation into the Acceptance of Online Banking in Saudi Arabia. Technovation, 29(2), 130–141.10.1016/j.technovation.2008.07.004Search in Google Scholar

Al-Sukkar, A.S. (2005). The Application of Information Systems in the Jordanian Banking Sector: a Study of the Acceptance of the Internet.Search in Google Scholar

Alalwan, Ali A, Dwivedi, Y.K., Rana, N.P., & Simintiras, A.C. (2016). Jordanian Consumers’ Adoption of Telebanking: Influence of Perceived Usefulness, Trust and Self-efficacy. International Journal of Bank Marketing, 34(5), 690–709.10.1108/IJBM-06-2015-0093Search in Google Scholar

Alalwan, Ali Abdallah, Dwivedi, Y.K., Rana, N.P., Algharabat, R. (2018). Examining Factors Influencing Jordanian Customers’ Intentions and Adoption of Internet Banking: Extending UTAUT2 with Risk. Journal of Retailing and Consumer Services, 40 (July), 125–138. https://doi.org/10.1016/j.jretconser.2017.08.02610.1016/j.jretconser.2017.08.026Search in Google Scholar

Alam, S.S., Yasin, N.M. (2010). An Investigation into the Antecedents of Customer Satisfaction of Online Shopping. Journal of Marketing Development and Competitiveness, 5(1), 71–78.Search in Google Scholar

Aldás-Manzano, J., Lassala-Navarré, C., Ruiz-Mafé, C., Sanz-Blas, S. (2009). Key Drivers of Internet Banking Services Use. Online Information Review, 33(4), 672–695.10.1108/14684520910985675Search in Google Scholar

Balasubramanian, S., Konana, P., Menon, N.M. (2003). Customer Satisfaction in Virtual Environments: A study of Online Investing. Management Science, 49(7), 871–889.10.1287/mnsc.49.7.871.16385Search in Google Scholar

Barnes, S.J., Vidgen, R.T. (2002). An Integrative Approach to the Assessment of E-commerce Quality. J. Electron. Commerce Res., 3(3), 114–127.Search in Google Scholar

Bashir, I., Madhavaiah, C. (2015). Consumer Attitude and Behavioural Intention Towards Internet Banking Adoption in India. Journal of Indian Business Research, 7(1), 67–102. https://doi.org/10.1108/JIBR-02-2014-001310.1108/JIBR-02-2014-0013Search in Google Scholar

Boonsiritomachai, W., Pitchayadejanant, K. (2018). Determinants Affecting Mobile Banking Adoption by Generation Y Based on the Unified Theory of Acceptance and Use of Technology Model Modified by the Technology Acceptance Model concept. Kasetsart Journal of Social Sciences, 1–10. https://doi.org/10.1016/j.kjss.2017.10.00510.1016/j.kjss.2017.10.005Search in Google Scholar

Brislin, R.W. (1976). Comparative Research Methodology: Cross-cultural Studies. International Journal of Psychology, 11(3), 215–229.10.1080/00207597608247359Search in Google Scholar

Casaló, L.V, Flavián, C., Guinal\’\iu, M. (2008). The Role of Satisfaction and Website Usability in Developing Customer Loyalty and Positive Word-of-mouth in the E-banking Services. International Journal of Bank Marketing, 26(6), 399–417.10.1108/02652320810902433Search in Google Scholar

Çelik, H. (2008). What Determines Turkish Customers’ Acceptance of Internet Banking? International Journal of Bank Marketing, 26(5), 353–370. https://doi.org/10.1108/0265232081089440610.1108/02652320810894406Search in Google Scholar

Chaouali, W., Ben Yahia, I., Souiden, N. (2016). The Interplay of Counter-conformity Motivation, Social Influence, and Trust in Customers’ Intention to Adopt Internet Banking Services: The Case of an Emerging Country. Journal of Retailing and Consumer Services, 28, 209–218. https://doi.org/10.1016/j.jretconser.2015.10.00710.1016/j.jretconser.2015.10.007Search in Google Scholar

Chen, C. (2013). Perceived Risk, Usage Frequency of Mobile Banking Services. Managing Service Quality: An International Journal, 23(5), 410–436. https://doi.org/10.1108/MSQ-10-2012-013710.1108/MSQ-10-2012-0137Search in Google Scholar

Cheng, T.C.E., Lam, D.Y.C., Yeung, A.C.L. (2006). Adoption of Internet Banking: an Empirical study in Hong Kong. Decision Support Systems, 42(3), 1558–1572.10.1016/j.dss.2006.01.002Search in Google Scholar

Chin, W.W., Marcolin, B.L., Newsted, P.R. (2003). A Partial Least Squares Latent Variable Modeling Approach for Measuring Interaction Effects: Results from a Monte Carlo Simulation Study and an Electronic-mail Emotion/adoption Study. Information Systems Research, 14(2), 189–217.10.1287/isre.14.2.189.16018Search in Google Scholar

Chiou, J.-S., Shen, C.-C. (2012). The Antecedents of Online Financial Service Adoption: the Impact of Physical Banking Services on Internet Banking Acceptance. Behaviour & Information Technology, 31(9), 859–871.10.1080/0144929X.2010.549509Search in Google Scholar

Chua, E.K. (1980). Consumer Intention to Deposit at Banks: An Empirical Investigation of its Relationship with Attitude, Normative Belief and Confidence. Academic Exercise, Faculty of Business Administration, National University of Singapore.Search in Google Scholar

Crabbe, M., Standing, C., Standing, S., Karjaluoto, H. (2009). An Adoption Model for Mobile Banking in Ghana. International Journal of Mobile Communications, 7(5), 515–543.10.1504/IJMC.2009.024391Search in Google Scholar

Cruz, P., Barretto Filgueiras Neto, L., Munoz-Gallego, P., Laukkanen, T. (2010). Mobile Banking Rollout in Emerging Markets: Evidence from Brazil. International Journal of Bank Marketing, 28(5), 342–371.10.1108/02652321011064881Search in Google Scholar

Currall, S.C., Judge, T.A. (1995). Measuring Trust between Organizational Boundary Role Persons. Organizational Behavior and Human Decision Processes, 64(2), 151–170.10.1006/obhd.1995.1097Search in Google Scholar

Dapp, T., Slomka, L. (2015). Fintech Reloaded--Traditional Banks as Digital Ecosystems. Publication of the German Original.Search in Google Scholar

Davis, F.D. (1989). Information Technology Introduction, 13(3), 319–340.10.2307/249008Search in Google Scholar

Davis, F.D., Bagozzi, R.P., Warshaw, P.R. (1989). User Acceptance of Computer Technology: a Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003.10.1287/mnsc.35.8.982Search in Google Scholar

Deng, Z., Lu, Y., Wang, B., Zhang, J., Wei, K.K. (2010). An Empirical Analysis of Factors Influencing Users’ Adoption and Use of Mobile Services in China. International Journal of Mobile Communications, 8(5), 561–585.10.1504/IJMC.2010.034937Search in Google Scholar

Di Benedetto, C.A., Calantone, R.J., Zhang, C. (2003). International Technology Transfer: Model and Exploratory Study in the People’s Republic of China. International Marketing Review, 20(4), 446–462.10.1108/02651330310485171Search in Google Scholar

Dineshwar, R., Steven, M. (2013). An Investigation on Mobile Banking Adoption and Usage: A Case Study of Mauritius. Proceedings of 3rd Asia-Pacific Business Research Conference, 3(February), 1–21.Search in Google Scholar

Faqih, K.M.S., Jaradat, M.I.R.M. (2015). Assessing the Moderating Effect of Gender Differences and Individualism-collectivism at Individual-level on the Adoption of Mobile Commerce Technology: TAM3 Perspective. Journal of Retailing and Consumer Services, 22, 37–52. https://doi.org/10.1016/j.jretconser.2014.09.00610.1016/j.jretconser.2014.09.006Search in Google Scholar

Featherman, M.S., Pavlou, P.A. (2003). Predicting E-services Adoption: a Perceived Risk Facets Perspective. International Journal of Human-Computer Studies, 59(4), 451–474.10.1016/S1071-5819(03)00111-3Search in Google Scholar

Gefen, D., Benbasat, I., Pavlou, P. (2008). A Research Agenda for Trust in Online Environments. Journal of Management Information Systems, 24(4), 275–286.10.2753/MIS0742-1222240411Search in Google Scholar

Gefen, Karahanna, & Straub. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51. https://doi.org/10.2307/3003651910.2307/30036519Search in Google Scholar

Giovanis, A.N., Binioris, S., Polychronopoulos, G. (2012). An Extension of TAM Model with IDT and Security/privacy Risk in the Adoption of Internet Banking Services in Greece. EuroMed Journal of Business, 7(1), 24–53.10.1108/14502191211225365Search in Google Scholar

Grabner-Kraeuter, S. (2002). The Role of Consumers’ Trust in Online-shopping. Journal of Business Ethics, 39(1–2), 43–50.10.1023/A:1016323815802Search in Google Scholar

Grabner-Kräuter, S., Faullant, R. (2008). Consumer Acceptance of Internet Banking: the Influence of Internet Trust. International Journal of Bank Marketing, 26(7), 483–504.10.1108/02652320810913855Search in Google Scholar

Gulamhuseinwala, I., Bull, T., Lewis, S. (2015). FinTech is Gaining Traction and Young, High-income Users are the Early Adopters.Search in Google Scholar

Ha, K.-H., Canedoli, A., Baur, A. W., Bick, M. (2012). Mobile Banking—Insights on its Increasing Relevance and Most Common Drivers of Adoption. Electronic Markets, 22(4), 217–227.10.1007/s12525-012-0107-1Search in Google Scholar

Hair Jr, J.F., Hult, G.T.M., Ringle, C., Sarstedt, M. (2016). A Primer on Partial Least Squares Structural Equation Modeling (PLSSEM). Sage Publications.Search in Google Scholar

Hanafizadeh, P., Keating, B.W., Khedmatgozar, H.R. (2014). A Systematic Review of Internet Banking Adoption. Telematics and Informatics. https://doi.org/10.1016/j.tele.2013.04.00310.1016/j.tele.2013.04.003Search in Google Scholar

Hartwick, J., Barki, H. (1994). Explaining the Role of User Participation in Information System Use. Management Science, 40 (4), 440–465.10.1287/mnsc.40.4.440Search in Google Scholar

Hasbullah, N.A., Osman, A., Abdullah, S., Salahuddin, S.N., Ramlee, N.F., Soha, H.M. (2016). The Relationship of Attitude, Subjective Norm and Website Usability on Consumer Intention to Purchase Online: An Evidence of Malaysian Youth. Procedia Economics and Finance, 35, 493–502.10.1016/S2212-5671(16)00061-7Search in Google Scholar

Hassan, I., Mansour, F., Eljelly, A.M.A., & Abdullah, A. M. A. (2016). Review of International Business and Strategy For Authors Consumers’ Attitude Towards E-banking Services in Islamic Banks: the Case of Sudan. International Business and Strategy Iss, 26(2), 244–260. https://doi.org/10.1108/RIBS-02-2014-002410.1108/RIBS-02-2014-0024Search in Google Scholar

Hayes, A.F. (2013). Modellübersicht Mediation/Moderation (process-macro). https://doi.org/978-1-60918-230-4Search in Google Scholar

Henseler, J., Ringle, C.M., Sinkovics, R.R. (2009). The Use of Partial Least Squares Path Modeling in Iternational Marketing. In: New challenges to international marketing (pp. 277–319). Emerald Group Publishing Limited.Search in Google Scholar

Hoehle, H., Scornavacca, E., Huff, S. (2012). Three Decades of Research on Consumer Adoption and Utilization of Electronic Banking Channels: A Literature Analysis. Decision Support Systems, 54(1), 122–132.10.1016/j.dss.2012.04.010Search in Google Scholar

Hong, S.-J., Thong, J.Y.L., Moon, J.-Y., Tam, K.-Y. (2008). Understanding the Behavior of Mobile Data Services Consumers. Information Systems Frontiers, 10(4), 431.10.1007/s10796-008-9096-1Search in Google Scholar

Im, S., Mason, C.H., Houston, M.B. (2007). Does Innate Consumer Innovativeness Relate to New Product/service Adoption Behavior? The Intervening Role of Social Learning via Vicarious Innovativeness. Journal of the Academy of Marketing Science, 35(1), 63–75.10.1007/s11747-006-0007-zSearch in Google Scholar

Jaruwachirathanakul, B., Fink, D. (2005). Internet Banking Adoption Strategies for a Developing Country: the Case of Thailand. Internet Research, 15(3), 295–311.10.1108/10662240510602708Search in Google Scholar

Jouda, H., Abu, A., Obaid, T., Abu, S., Awaja, A. (2020). Mobile Banking Adoption : Decomposed Theory of Planned Behavior with Perceived Trust, 1–10. https://doi.org/https://ssrn.com/abstract=366040310.2139/ssrn.3660403Search in Google Scholar

Jouda, H.M., Raju, V. (2018). The Role of Trust on Consumer Intention Towards Mobile Banking in Palestine, 3(9), 203–210.Search in Google Scholar

Kesharwani, A., Singh Bisht, S. (2012). The Impact of Trust and Perceived Risk on Internet Banking Adoption in India: An Extension of Technology Acceptance Model. International Journal of Bank Marketing, 30(4), 303–322.10.1108/02652321211236923Search in Google Scholar

Kesharwani, A., & Tripathy, T. (2012). Dimensionality of Perceived Risk and Its Impact on Internet Banking Adoption: An Empirical Investigation. Services Marketing Quarterly, 33(2), 177–193.10.1080/15332969.2012.662461Search in Google Scholar

Khalifa, M., Shen, K.N. (2008). Drivers for Transactional B2C M-commerce Adoption: Extended Theory of Planned Behavior. Journal of Computer Information Systems, 48(3), 111–117.Search in Google Scholar

Khrewesh, A.H. (2011). E-banking Adoption Model in Palestine, 1–208. Retrieved from http://www.scholar.najah.eduSearch in Google Scholar

Koenig-Lewis, N., Palmer, A., Moll, A. (2010). Predicting Young Consumers’ Take up of Mobile Banking Services. International Journal of Bank Marketing, 28(5), 410–432.10.1108/02652321011064917Search in Google Scholar

Kuisma, T., Laukkanen, T., & Hiltunen, M. (2007). Mapping the Reasons for Resistance to Internet Banking: A Means-end Approach. International Journal of Information Management, 27(2), 75–85.10.1016/j.ijinfomgt.2006.08.006Search in Google Scholar

Laforet, S., Li, X. (2005). Consumers’ Attitudes Towards Online and Mobile Banking in China. International Journal of Bank Marketing, 23(5), 362–380.10.1108/02652320510629250Search in Google Scholar

Law, K. (2007). Impact of Perceived Security on Consumer Trust in Online Banking. Thesis.Search in Google Scholar

Lean, O.K., Zailani, S., Ramayah, T., Fernando, Y. (2009). Factors Influencing Intention to Use E-government Services Among Citizens in Malaysia. International Journal of Information Management, 29(6), 458–475.10.1016/j.ijinfomgt.2009.03.012Search in Google Scholar

Lee, K.C., Chung, N. (2009). Understanding Factors Affecting Trust in and Satisfaction with Mobile Banking in Korea: A Modified DeLone and McLean’s Model Perspective. Interacting with Computers, 21(5–6), 385–392.10.1016/j.intcom.2009.06.004Search in Google Scholar

Lee, M.-C. C. (2009). Factors Influencing the Adoption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit. Electronic Commerce Research and Applications, 8(3), 130–141. https://doi.org/10.1016/j.elerap.2008.11.00610.1016/j.elerap.2008.11.006Search in Google Scholar

Liang, C.C. (2016). Subjective Norms and Customer Adoption of Mobile Banking: Taiwan and Vietnam. In: Proceedings of the Annual Hawaii International Conference on System Sciences (Vol. 2016-March, pp. 1577–1585). https://doi.org/10.1109/HICSS.2016.19910.1109/HICSS.2016.199Search in Google Scholar

Liao, C.-H., Rebecca Yen, H., Li, E.Y. (2011). The Effect of Channel Quality Inconsistency on the Association between E-service Quality and Customer Relationships. Internet Research, 21(4), 458–478.10.1108/10662241111158326Search in Google Scholar

Liébana-Cabanillas, F., Sánchez-Fernández, J., Muñoz-Leiva, F. (2014). The Moderating Effect of Experience in the Adoption of Mobile Payment Tools in Virtual Social Networks: The m-Payment Acceptance Model in Virtual Social Networks (MPAM-VSN). International Journal of Information Management, 34(2), 151–166. https://doi.org/10.1016/j.ijinfomgt.2013.12.00610.1016/j.ijinfomgt.2013.12.006Search in Google Scholar

Liébana Cabanillas, F.J. (2012). El papel de los sistemas de pago en lo nuevos entornos electrónicos. Granada: Universidad de Granada.Search in Google Scholar

Lin, H.-F. (2011). An Empirical Investigation of Mobile Banking Adoption: The Effect of Innovation Attributes and knowledge-based trust. International Journal of Information Management, 31(3), 252–260.10.1016/j.ijinfomgt.2010.07.006Search in Google Scholar

Luarn, P., Lin, H.-H. (2005). Toward an Understanding of the Behavioral Intention to Use Mobile Banking. Computers in Human Behavior, 21(6), 873–891.10.1016/j.chb.2004.03.003Search in Google Scholar

Maitah, M., Hodrab, R. (2015). An Empirical Study of Critical Factors of Electronic Banking Adoption for Banking Sector in Palestine. Modern Applied Science, 9(9), 78–92. https://doi.org/10.5539/mas.v9n9p7810.5539/mas.v9n9p78Search in Google Scholar

Martins, C., Oliveira, T., Popovič, A. (2014). Understanding the Internet Banking Adoption: A Unified Theory of Acceptance and Use of Technology and Perceived Risk Application. International Journal of Information Management, 34(1), 1–13. https://doi.org/10.1016/j.ijinfomgt.2013.06.00210.1016/j.ijinfomgt.2013.06.002Search in Google Scholar

Maruping, L.M., Bala, H., Venkatesh, V., Brown, S.A. (2017). Going Beyond Intention: Integrating Behavioral Expectation into the Unified Theory of Acceptance and Use of Technology. Journal of the Association for Information Science and Technology, 68(3), 623–637.10.1002/asi.23699Search in Google Scholar

Mehrad, D., Mohammadi, S. (2017). Word of Mouth Impact on the Adoption of Mobile Banking in Iran. Telematics and Informatics, 34(7), 1351–1363. https://doi.org/10.1016/j.tele.2016.08.00910.1016/j.tele.2016.08.009Search in Google Scholar

Mishra, V., Bisht, S.S. (2013). Mobile Banking in a Developing Economy: A Customer-centric Model for Policy Formulation. Telecommunications Policy, 37(6–7), 503–514.10.1016/j.telpol.2012.10.004Search in Google Scholar

Montazemi, A.R., Qahri-Saremi, H. (2015). Factors Affecting Adoption of Online Banking: A Meta-analytic Structural Equation Modeling Study. Information & Management, 52(2), 210–226.10.1016/j.im.2014.11.002Search in Google Scholar

Mukherjee, R., Kumar, R., Sinha, A., Lama, Y., Saha, A.K. (2016). A Review on Synthesis, Characterization, and Applications of Nano Zero Valent Iron (nZVI) for Environmental Remediation. Critical Reviews in Environmental Science and Technology, 46(5), 443–466. https://doi.org/10.1080/10643389.2015.110383210.1080/10643389.2015.1103832Search in Google Scholar

Mukhtar, M. (2015). Perceptions of UK Based Customers Toward Internet Banking in the United Kingdom. Journal of Internet Banking and Commerce, 20(1). https://doi.org/10.1007/978-3-531-92534-9_1210.1007/978-3-531-92534-9_12Search in Google Scholar

Nasri, W., Charfeddine, L. (2012). Factors Affecting the Adoption of Internet Banking in Tunisia: An Integration Theory of Acceptance Model and Theory of Planned Behavior. The Journal of High Technology Management Research, 23(1), 1–14.10.1016/j.hitech.2012.03.001Search in Google Scholar

Nor, K.M., Pearson, J.M. (2008). An Exploratory Study into the Adoption of Internet Banking in a Developing Country: Malaysia. Journal of Internet Commerce, 7(1), 29–73.10.1080/15332860802004162Search in Google Scholar

Nor, K.M., Shanab, E.A.A., Pearson, J.M. (2008). Internet Banking Acceptance in Malaysia based on the Theory of Reasoned Action. JISTEM-Journal of Information Systems and Technology Management, 5(1), 3–14.Search in Google Scholar

Nor, K. M., Sutanonpaiboon, J., Mastor, N.H. (2010). Malay, Chinese, and Internet Banking. Chinese Management Studies, 4(2), 141–153. https://doi.org/10.1108/1750614101105306910.1108/17506141011053069Search in Google Scholar

Oliveira, T., Thomas, M., & Espadanal, M. (2014). Information & Management Assessing the Determinants of Cloud Computing Adoption: An Analysis of the Manufacturing and Services Sectors. Information & Management, 51(5), 497–510. https://doi.org/10.1016/j.im.2014.03.00610.1016/j.im.2014.03.006Search in Google Scholar

Papies, D., Clement, M. (2008). Adoption of New Movie Distribution Services on the Internet. Journal of Media Economics, 21(3), 131–157.10.1080/08997760802300530Search in Google Scholar

Phonthanukitithaworn, C., Sellitto, C., Fong, M. (2015). User Intentions to Adopt Mobile Payment Services: A Study of Early Adopters in Thailand. Journal of Internet Banking and Commerce, 20(1).Search in Google Scholar

Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer Acceptance of Online Banking: an Extension of the Technology Acceptance Model. Internet Research, 14(3), 224–235.10.1108/10662240410542652Search in Google Scholar

Poon, W.-C. (2007). Users’ Adoption of E-banking Services: the Malaysian Perspective. Journal of Business & Industrial Marketing, 23(1), 59–69.10.1108/08858620810841498Search in Google Scholar

Püschel, J., Afonso Mazzon, J., Mauro, C. Hernandez, J. (2010). Mobile Banking: Proposition of an Integrated Adoption Intention Framework. International Journal of Bank Marketing, 28(5), 389–409. https://doi.org/10.1108/0265232101106490810.1108/02652321011064908Search in Google Scholar

Ram, S., Sheth, J.N. (1989). Consumer Resistance to Innovations: the Marketing Problem and its Solutions. Journal of Consumer Marketing, 6(2), 5–14.10.1108/EUM0000000002542Search in Google Scholar

Riffai, M., Grant, K., Edgar, D. (2012). Big TAM in Oman: Exploring the Promise of On-line Banking, its Adoption by Customers and the Challenges of Banking in Oman. International Journal of Information Management, 32(3), 239–250.10.1016/j.ijinfomgt.2011.11.007Search in Google Scholar

Rodrigues, L.F., Oliveira, A., Costa, C.J. (2016). Does Ease-of-use Contributes to the Perception of Enjoyment? A Case of Gamification in E-banking. Computers in Human Behavior, 61, 114–126.10.1016/j.chb.2016.03.015Search in Google Scholar

Rogers, E.M. (2003). Diffusion of Innovations Theory. New York: Free Press, 5th ed. https://doi.org/10.1111/j.1467-9523.1970.tb00071.x10.1111/j.1467-9523.1970.tb00071.xSearch in Google Scholar

Shaikh, A. A., & Karjaluoto, H. (2014). Mobile Banking Adoption: A Literature Review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.00310.1016/j.tele.2014.05.003Search in Google Scholar

Sharma, S.K., Govindaluri, S.M., Muharrami, S.M., Tarhini, A. (2017). A Multi-analytical Model for Mobile Banking Adoption: a Developing Country Perspective. Review of International Business and Strategy, 27(1), 133–148. https://doi.org/10.1108/RIBS-11-2016-007410.1108/RIBS-11-2016-0074Search in Google Scholar

Slade, E.L., Dwivedi, Y.K., Piercy, N.C., Williams, M.D. (2015). Modeling Consumers’ Adoption Intentions of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness, Risk, and Trust. Psychology & Marketing, 32(8), 860–873.10.1002/mar.20823Search in Google Scholar

Sohail, M.S., Al-Jabri, I.M. (2014). Attitudes Towards Mobile Banking: Are There any Differences between Users and Non-users? Behaviour and Information Technology, 33(4), 335–344. https://doi.org/10.1080/0144929X.2013.76386110.1080/0144929X.2013.763861Search in Google Scholar

Suh, B., Han, I. (2002). Effect of Trust on Customer Acceptance of Internet Banking. Electronic Commerce Research and Applications, 1(3–4), 247–263. https://doi.org/10.1016/S1567-4223(02)00017-010.1016/S1567-4223(02)00017-0Search in Google Scholar

Suh, B., Han, I. (2003). The Impact of Customer Trust and Perception of Security Control on the Acceptance of Electronic Commerce. International Journal of Electronic Commerce, 7(3), 135–161.10.1080/10864415.2003.11044270Search in Google Scholar

Sum Chau, V., Ngai, L.W.L.C. (2010). The Youth Market for Internet Banking Services: Perceptions, Attitude and behaviour. Journal of Services Marketing, 24(1), 42–60.10.1108/08876041011017880Search in Google Scholar

Sun, H., Zhang, P. (2006). The Role of Moderating Factors in User Technology Acceptance. International Journal of Human Computer Studies, 64(2), 53–78. https://doi.org/10.1016/j.ijhcs.2005.04.01310.1016/j.ijhcs.2005.04.013Search in Google Scholar

Tan, K.S., Chong, S.C., Loh, P.L., Lin, B. (2010). An Evaluation of E-banking and M-banking Adoption Factors and Preference in Malaysia: a Case Study. International Journal of Mobile Communications, 8(5), 507–527.10.1504/IJMC.2010.034935Search in Google Scholar

Taylor, S., Todd, P. (1995). Assessing IT Usage : The Role of Prior Experience The Influence of Prior Experience. Management Information Systems, 19(December), 561–570.10.2307/249633Search in Google Scholar

Teo, T.S.H., Pok, S.H. (2003). Adoption of WAP-enabled Mobile Phones Among Internet Users. Omega, 31(6), 483–498.10.1016/j.omega.2003.08.005Search in Google Scholar

Venkatesh, V., Davis, F.D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.1192610.1287/mnsc.46.2.186.11926Search in Google Scholar

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.1111/j.1540-4560.1981.tb02627.x10.1111/j.1540-4560.1981.tb02627.xSearch in Google Scholar

Viswanath Venkatesh Michael G. Morris, G. B. D. F. D. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478. Retrieved from http://www.jstor.org/stable/3003654010.2307/30036540Search in Google Scholar

Viswanath Venkatesh Michael G. Morris, G.B.D.F.D.D., Venkatesh, V., Morris, M.G., Davis, G.B., Davis, F.D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478. https://doi.org/10.1088/1751-8113/44/8/08520110.1088/1751-8113/44/8/085201Search in Google Scholar

Walker, R.H., Johnson, L.W. (2006). Why Consumers Use and do not Use Technology-enabled Services. Journal of Services Marketing, 20(2), 125–135.10.1108/08876040610657057Search in Google Scholar

Wang, Y.-S., Wang, Y.-M., Lin, H.-H., Tang, T.-I. (2018). Determinants of user Acceptance of Internet Banking: an Empirical Study. International Journal of Service Industry Management, 14(5), 501–519.10.1108/09564230310500192Search in Google Scholar

Weir, C.S., Douglas, G., Carruthers, M., Jack, M. (2009). User Perceptions of security, Convenience and Usability for Ebanking Authentication Tokens. Computers and Security, 28(1–2), 47–62. https://doi.org/10.1016/j.cose.2008.09.00810.1016/j.cose.2008.09.008Search in Google Scholar

Ya-Yueh, S., Fang, K. (2004). The Use of a Decomposed Theory of Planned Behavior to Study Internet Banking in Taiwan. Internet Research, 14(3), 213–223. https://doi.org/10.1108/1066224041054264310.1108/10662240410542643Search in Google Scholar

Yang, J., Whitefield, M., Bhanot, R. (2005). E-banking in Rural Area-recent Trend and Development: a Case Study. Communications of the IIMA, 5(4), 9.Search in Google Scholar

Yoon, H.S., Steege, L.M.B. (2013). Development of a Quantitative Model of the Impact of Customers’ Personality and Perceptions on Internet Banking Use. Computers in Human Behavior, 29(3), 1133–1141.10.1016/j.chb.2012.10.005Search in Google Scholar

Yousafzai, S., Pallister, J., Foxall, G. (2009). Multi-dimensional Role of Trust in Internet Banking Adoption. The Service Industries Journal, 29(5), 591–605.10.1080/02642060902719958Search in Google Scholar

Yu, P.L., Balaji, M.S., Khong, K.W. (2015). Building Trust in Internet Banking: a Trustworthiness Perspective. Industrial Management & Data Systems, 115(2), 235–252.10.1108/IMDS-09-2014-0262Search in Google Scholar

Yuen, Y.Y., Yeow, P.H., Lim, N. (2015). Internet Banking Acceptance in the United States and Malaysia: a Cross-cultural Examination. Marketing Intelligence & Planning, 33(3), 292–308. https://doi.org/10.1108/MIP-08-2013-012610.1108/MIP-08-2013-0126Search in Google Scholar

Zhou, T. (2011). An Empirical Examination of Users’ Post-adoption Behaviour of Mobile Services. Behaviour & Information Technology, 30(2), 241–250.10.1080/0144929X.2010.543702Search in Google Scholar

Zhou, T., Lu, Y., Wang, B. (2010). Integrating TTF and UTAUT to Explain Mobile Banking user Adoption. Computers in Human Behavior, 26(4), 760–767.10.1016/j.chb.2010.01.013Search in Google Scholar