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The present research examines the plausibility of the Unified Theory of Acceptance and Use of Technology (UTAUT) model in predicting internet banking behaviour as a newly adopted technology in third world countries. Data is collected from three Arab countries: Jordan, Saudi Arabia and Egypt. Confirmatory factor analysis is used to test the hypothesized structural model. Findings are congruent with model testing under conditions of volitional usage behaviour. In this regard, the role of facilitating conditions variable is insignificant as a determinant of usage behaviour. Social norms variable also proved to be weak determinant of behavioural intentions. Findings demonstrate effort expectancy as the key determinant of internet banking usage behaviour in the examined markets, while users' experience moderates the impact of effort expectancy on behavioural intention. Results should enhance our understanding of internet banking usage in developing countries and support e-services promoting in this region.

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Day after day, many enterprises make use of the Internet and cyber space to reach out to customers everywhere at any time. The banking industry, like other industries, is using the Internet channel to protect its current position against other virtual players who may provide more convenience and lower priced services. Internet banking (IB) is meant to provide 24/7 service for banking customers, yet the electronic channel comes with challenges as well as gains for both bankers and customers. This study aims to identify the important determinants of online behavior, particularly with respect to Internet banking and the technology acceptance research. The different technology acceptance models are discussed thoroughly in the literature review to explain the stages and the foundations that led to the formation of the Unified Theory of Acceptance and Use of Technology (UTAUT). This work aims at investigating the viability of the aggregated technology acceptance model, the UTAUT, in a non-industrial country (Jordan). The research also permits an extension to the model by addressing the impact of web presence on the online behavior, namely website quality perceptions. The contribution of this work lies in several areas of implementation and empirical analyses. This research extended the UTAUT model to account for the online behavior. The extension comprised decomposing the technical sources dimension of the facilitating condition construct of the UTAUT and replacing it with the website design quality structure variable. The current work validates the UTAUT measures as developed by its authors, in addition to supporting the interrelationships among the key constructs in technology acceptance research. The proposed extension to the UTAUT model attempts to capture the impact of website quality perceptions on key constructs, namely performance expectance, effort expectancy and usage behavior. A restrict research methodology was used to test both original and developed hypotheses, the results show that website quality structure does impact usage behavior indirectly, through performance expectancy and effort expectancy. Discussion, conclusion, and further research area are provided based on the results of the research.

Purpose In response to a turbulent industrial environment, especially for small and medium enterprises (SMEs), organizations have widely adopted e-business to improve their processes. This study aims to propose a model that encapsulates the determinants and outcomes of e-business adoption. Design/methodology/approach The determinants and outcomes of e-business adoption were tested using data gathered from 282 managers and analysed using structural equation modelling techniques. Findings The results indicated that owner support, perceived ease of use and government support were important determinants that influence e-business adoption. Attitude, competitive pressureand relative advantage were not significant. Regarding outcomes, e-business adoption had a major impact on SME functioning and operational progress; however, it had no influence on competitive advantage. Originality/value By ascertaining the determinants and outcomes of e-business adoption, the findings provide e-business practitioners and managers with guidelines that can encourage more efficient and effective e-business adoption within their organizations. The results also provide a basis for more precise e-business studies to be conducted in developing countries.

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