Altitudinal Factors Affecting the Adoption of Internet Banking Services among Small and Medium Enterprises in Yemen

Al-Fahim, Nabil Hussein; Jamaliah, Wan; Abideen, Adewale

doi:10.1109/econf.2015.94

Cited by 8 publications

(16 citation statements)

References 15 publications

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“…Yemen's economy is primarily based on oil, and the Yemeni government derives the majority of its revenue from oil-related taxes [12] [4]. The SMEs industry in Yemen is critical to the country's economy.…”

Section: Smes and Yemen Economymentioning

confidence: 99%

“…[3]. In spite of the fact that, Yemeni banks produce electronic infrastructure and spend tremendous amount of money annually to adopt electronic banking, the adoption of electronic banking and IBS in Yemeni banks is relatively low among small and medium-size enterprises (SMEs) [4]- [6]. Furthermore, the study of [7] has proclaimed IBS as beneficial in that customers are offered access to bank services at a fast rate and with comfort without requiring being present at the bank.…”

Section: Introductionmentioning

confidence: 99%

“…Although e-banking has a lot of advantages, many banks' consumers do not embrace these advanced of technologically services offered by the banks especially in the Arab countries and in Yemen in particular [4], [5], [8], [9]. Internet banking technology in Yemen has not reached its maturity yet, as it is scarcely used by retail or corporate customers and there is a prevalence in the culture that favors face-to-face banking and personal contact.…”

Section: Introductionmentioning

confidence: 99%

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Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach

Al-Fahim

Abdulghafor

Turaev

2022

Lecture Notes in Electrical Engineering

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The main purpose for carrying out research on the adoption of the internet banking services is due to the lack of empirical studies on Yemeni internet banking services. The objective of this study is to explore and investigate the factors of Technology-Organization-Environment theory (TOE) that play a main role in the implementing of Internet banking services by SMEs in Yemen. Four exogenous variables, one mediator, one moderator, and one endogenous variable make up the current study's framework. The exogenous variables consist of security, relative advantages, government support, top management and organization readiness as mediator as well as organization type is moderator while the endogenous variables comprise of intention towards Internet Banking (IB) for banks customers (SMEs). This research also identifies the role of organization readiness as mediating variable that impact SMEs' intention to adopt Internet banking service and also the role of organization type as a moderator between organization readiness and Internet banking adoption. The current study's sample included 314 people who were analyzed using Partial Least Square PLS-SEM to look for causal links between the study's latent variables. The findings showed that security, relative advantages, government support, top management and organization readiness have a significance and positive effect on intention towards Internet banking adoption among SMEs in Yemen. Furthermore, the findings of the study reveal that organization readiness has a mediating influence on the relationship between TOE factors and intention towards IB adoption among SMEs. Moreover, the results indicate organization type moderates the relationship between organization readiness and intention to adopt IB. In conclusion, the finding shows that SMEs businesses are able to operate more effectively by implementing a broad set of IB products through automating many of their major banking activities and through electronic communication with their banks.

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Section: Smes and Yemen Economymentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach

Al-Fahim

Abdulghafor

Turaev

2022

Lecture Notes in Electrical Engineering

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“…Semakin kecil usaha dan semakin singkat waktu yang dibutuhkan untuk menggunakan suatu teknologi dalam mencapai tujuan penggunaan tertentu maka akan menaikkan tingkat perceived ease of use, sehingga berpengaruh positif terhadap sikap pengguna akan suatu teknologi. Lebih lanjut, perceived usefulness didefinisikan sebagai tingkat di mana seorang pengguna akan memiliki anggapan bahwa teknologi yang digunakan mampu memberi dampak langsung bagi kinerjanya (Davis et al, 1989) yang dapat dilihat melalui peningkatan aktivitas operasional dan efektivitas kinerja pengguna dapat meningkatkan minat pengguna untuk menggunakannya (Al-Fahim, Jusoh & Abideen, 2016). Semakin besar dampak positif yang dirasakan oleh pengguna dari penggunaan suatu teknologi maka akan meningkatkan perceived usefulness, sehingga berpengaruh positif terhadap sikap pengguna akan suatu sistem atau teknologi.…”

Section: Technology Acceptance Model (Tam)unclassified

“…Relative advantage juga memberikan pengaruh positif yang signifikan terhadap attitude sehingga dapat dimaknai bahwa ketika fintech lending mampu memiliki suatu keunggulan berupa fitur atau inovasi yang mampu melebihi ekspektasi pengguna maka pengguna akan memberikan sikap yang positif terhadap fintech lending sama seperti sikap positif terhadap fintech mobile payment. Hal tersebut mendukung hasil penelitian sebelumnya yang menyatakan bahwa sikap seseorang terhadap suatu teknologi dipengaruhi oleh perceived usefulness (Al-Fahim et al, 2016;Elkaseh, Wong & Fung, 2016;Morgan-Thomas & Veloutsou, 2013) dan relative advantage (Krishanan et al, 2015;Lu et al, 2011;Nathania, 2014).…”

Section: Martonounclassified

Analisis Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Lending

Martono

2021

JEBIK

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This study aims to examine the determinants of the developed Technology Acceptance Model (TAM) framework. The author used stratified random sampling, and data collection used a survey method. The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS 25 software. The results show that perceived ease of use and perceived risk do not influence attitude towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude has a partial mediation role only in the relationship between perceived usefulness and relative advantage to fintech lending using intention. These results support the original model of TAM that states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It suggested that financial technology services foster users to use fintech lending through various ways to tell it is easy enough to use and able to protect users' secure data and information. This study also contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.JEL : G23, G41, G51. Keywords : Technology Acceptance Model, financial technology, lending. ABSTRAKPenelitian ini bertujuan untuk menguji faktor-faktor pada kerangka kerja yang merupakan pengembangan dari Technology Acceptance Model (TAM). Peneliti menggunakan metode stratified random sampling dan pengumpulan data dilakukan dengan menggunakan metode survey. Teknik analisis yang digunakan adalah uji regresi berganda dan uji jalur dengan bantuan perangkat lunak IBM SPSS 25. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived risk tidak memberikan pengaruh pada sikap terhadap fintech lending. Sebaliknya, perceived usefulness, relative advantage dan perceived cost justru memberikan pengaruh, serta sikap memberikan pengaruh terhadap minat untuk menggunakan fintech lending. Lebih lanjut, sikap memilki mediasi parsial hanya pada hubungan antara perceived usefulness dan relative advantage terhadap minat untuk menggunakan fintech lending. Hasil penelitian ini mendukung model awal TAM yang menyatakan bahwa perceived ease of use memberikan pengaruh yang tidak signifikan terhadap sikap untuk menggunakan. Disarankan bagi penyedia jasa keuangan berbasis teknologi untuk mendorong pengguna fintech lending melalui berbagai langkah untuk menyampaikan kemudahan penggunaan dan fintech mampu melindungi data dan informasi pengguna yang bersifat rahasia. Penelitian ini juga berkontribusi untuk memberikan bukti empiris pada berbagai variabel yang digunakan untuk memodifikasi dan mengembangkan Technology Acceptance Model.

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Technological and Organizational Factors Influencing the Internet Banking Use Among SMES in Yemen: The Mediating Role of Attitude

Al-Fahim

Abdulghafor

2022

Lecture Notes in Electrical Engineering

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Altitudinal Factors Affecting the Adoption of Internet Banking Services among Small and Medium Enterprises in Yemen

Cited by 8 publications

References 15 publications

Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach

Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach

Analisis Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Lending

Technological and Organizational Factors Influencing the Internet Banking Use Among SMES in Yemen: The Mediating Role of Attitude

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