Authors : Ahmed M. Mutahar, Norzaidi Mohd Daud, T. Ramayah, Osama Isaac and Ibrahim Alrajawy
Abstract: While there are a wide range of business opportunities available via mobile technologies and allied services along with technologically advanced mobile devices, mobile banking services have not been widely accepted by bank clients in Yemen. Therefore, this study aims to study the major factors that contribute towards client intention to accept and use mobile banking as one of the e-Financial services available from Yemeni banks using the Technology Acceptance Model (TAM), integrated with perceived risk and self-efficacy. A survey questionnaire was used to collect primary data from individuals who are non-users of mobile banking services and 482 valid responses were received. Structural Equation Modelling (SEM) via AMOS Software was utilised to determine the importance levels of association and interaction between the factors tested. The proposed model for this research was developed with five core constructs, namely perceived risk, Perceived Ease Of Use (PEOU), Perceived Usefulness (PU) and Self-Efficacy (SE) as independent variables with intention as the dependent variable. The model as evidenced by the goodness of fit of the model to the data explained 80% of the variance in intention to use mobile banking services, while the findings of the multivariate analysis demonstrated that PR, PU, PEOU and SE are significant predictors of the intention to use mobile banking services. The results of this current study will provide insights into the factors that affect the successful uptake of mobile banking services among clients of Yemeni banks.
Ahmed M. Mutahar, Norzaidi Mohd Daud, T. Ramayah, Osama Isaac and Ibrahim Alrajawy, 2017. Examining the Intention to Use Mobile Banking Services in Yemen: An Integrated Perspective of Technology Acceptance Model (TAM) with Perceived Risk and Self-Efficacy. Asian Journal of Information Technology, 16: 298-311.