The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services
Background/Objectives: The purpose of this paper is to examine the role of trust in internet banking services based on empirical evidence from the survey conducted with commercial banks’ consumers in Irbid, the second largest city in Jordan. The paper answers the main research question: ‘Do the Ease...
| Main Authors: | , , , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Informatics Publishing Limited
2018
|
| Subjects: | |
| Online Access: | http://umpir.ump.edu.my/id/eprint/21554/1/The%20Influence%20of%20Perceived%20Trust%20on%20Understanding-fskkp-2018.pdf |
| _version_ | 1825812146003378176 |
|---|---|
| author | Al-Sharafi, Mohammed A. Ruzaini, Abdullah Arshah Alajmi, Qasim Herzallah, Fadi A. Qasem, Yousef A. M. |
| author_facet | Al-Sharafi, Mohammed A. Ruzaini, Abdullah Arshah Alajmi, Qasim Herzallah, Fadi A. Qasem, Yousef A. M. |
| author_sort | Al-Sharafi, Mohammed A. |
| collection | UMP |
| description | Background/Objectives: The purpose of this paper is to examine the role of trust in internet banking services based on empirical evidence from the survey conducted with commercial banks’ consumers in Irbid, the second largest city in Jordan. The paper answers the main research question: ‘Do the Ease of Use and Perceived Usefulness affect consumers’ trust to accept and use internet banking technology to perform their banking transactions?’ Methods/Analysis: This is an explanatory paper based on literature reviews and empirical data to explore reasons for accepting internet banking service. The approach takes the form of an empirical study conducted with 198 bank’s consumers in the north of Jordan using a basic model of the adoption of internet banking depends on Technology Acceptance Model framework (TAM). Partial Least Squares (PLS) was used to address sophisticated data analysis issues. Findings: The results confirm that trust increases if users perceive internet banking services to be useful whereas perceived ease of use fails to predict Jordanians’ trust to accept and use internet banking services. Novelty/Improvement: The findings from this study are useful for policy makers, banking sectors and financial practitioners to enhance the use of internet banking services among Jordanians. |
| first_indexed | 2024-03-06T12:24:48Z |
| format | Article |
| id | UMPir21554 |
| institution | Universiti Malaysia Pahang |
| language | English |
| last_indexed | 2024-03-06T12:24:48Z |
| publishDate | 2018 |
| publisher | Informatics Publishing Limited |
| record_format | dspace |
| spelling | UMPir215542018-07-10T06:52:04Z http://umpir.ump.edu.my/id/eprint/21554/ The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services Al-Sharafi, Mohammed A. Ruzaini, Abdullah Arshah Alajmi, Qasim Herzallah, Fadi A. Qasem, Yousef A. M. QA75 Electronic computers. Computer science Background/Objectives: The purpose of this paper is to examine the role of trust in internet banking services based on empirical evidence from the survey conducted with commercial banks’ consumers in Irbid, the second largest city in Jordan. The paper answers the main research question: ‘Do the Ease of Use and Perceived Usefulness affect consumers’ trust to accept and use internet banking technology to perform their banking transactions?’ Methods/Analysis: This is an explanatory paper based on literature reviews and empirical data to explore reasons for accepting internet banking service. The approach takes the form of an empirical study conducted with 198 bank’s consumers in the north of Jordan using a basic model of the adoption of internet banking depends on Technology Acceptance Model framework (TAM). Partial Least Squares (PLS) was used to address sophisticated data analysis issues. Findings: The results confirm that trust increases if users perceive internet banking services to be useful whereas perceived ease of use fails to predict Jordanians’ trust to accept and use internet banking services. Novelty/Improvement: The findings from this study are useful for policy makers, banking sectors and financial practitioners to enhance the use of internet banking services among Jordanians. Informatics Publishing Limited 2018 Article PeerReviewed text en cc_by http://umpir.ump.edu.my/id/eprint/21554/1/The%20Influence%20of%20Perceived%20Trust%20on%20Understanding-fskkp-2018.pdf Al-Sharafi, Mohammed A. and Ruzaini, Abdullah Arshah and Alajmi, Qasim and Herzallah, Fadi A. and Qasem, Yousef A. M. (2018) The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services. Indian Journal of Science and Technology, 11 (20). pp. 1-9. ISSN 0974-6846 (Print); 0974-5645 (Online). (Published) http://www.indjst.org/index.php/indjst/article/view/91928 DOI: 10.17485/ijst/2018/v11i20/91928 |
| spellingShingle | QA75 Electronic computers. Computer science Al-Sharafi, Mohammed A. Ruzaini, Abdullah Arshah Alajmi, Qasim Herzallah, Fadi A. Qasem, Yousef A. M. The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services |
| title | The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services |
| title_full | The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services |
| title_fullStr | The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services |
| title_full_unstemmed | The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services |
| title_short | The Influence of Perceived Trust on Understanding Banks’ Customers behavior to Accept Internet Banking Services |
| title_sort | influence of perceived trust on understanding banks customers behavior to accept internet banking services |
| topic | QA75 Electronic computers. Computer science |
| url | http://umpir.ump.edu.my/id/eprint/21554/1/The%20Influence%20of%20Perceived%20Trust%20on%20Understanding-fskkp-2018.pdf |
| work_keys_str_mv | AT alsharafimohammeda theinfluenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT ruzainiabdullaharshah theinfluenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT alajmiqasim theinfluenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT herzallahfadia theinfluenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT qasemyousefam theinfluenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT alsharafimohammeda influenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT ruzainiabdullaharshah influenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT alajmiqasim influenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT herzallahfadia influenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices AT qasemyousefam influenceofperceivedtrustonunderstandingbankscustomersbehaviortoacceptinternetbankingservices |