Analysis User Acceptance of Saudi Banks Applications in Qassim Region Using UTAUT

Authors

  • Bayan S. Almutairi Department of Information Technology, College of Computer, Qassim University, Buraydah, Saudi Arabia
  • Ebtihal K. Almutairi Department of Information Technology, College of Computer, Qassim University, Buraydah, Saudi Arabia https://orcid.org/0000-0002-6063-1926
  • Nora M. Almutairi Department of Information Technology, College of Computer, Qassim University, Buraydah, Saudi Arabia https://orcid.org/0000-0001-8313-3084
  • Meshaiel M. Alsheail Department of Information Technology, College of Computer, Qassim University, Buraydah, Saudi Arabia https://orcid.org/0000-0002-2991-7299

DOI:

https://doi.org/10.26713/cma.v13i1.1978

Keywords:

M-banking, The Unified Theory of Acceptance and Usage Technology (UTAUT), Performance expectancy, Behavioral intention

Abstract

M-Banking is a mobile technology innovation that is compatible with banking financial services. This study aims to determine the factors that affect the customer’s acceptance of using mobile banking services. The UTAUT model was used in this study. The data collection process was carried out through a hard copy and electronic questionnaire through which 318 usable answers were collected from users of mobile banking services in the Qassim region in the Kingdom of Saudi Arabia. The study results indicate that there is a statistically significant relationship between performance expectancy and behavioral intention to use. The results, statistically speaking, demonstrate the factors that affect the customer’s adoption of mobile banking services. The performance expectancy factor was the most influencing factor on the intention to use mobile banking services in Qassim.

Downloads

Download data is not yet available.

References

N.H. Al-Fahim, R. Abdulgafor and E.H. Qaid, Determinants of Banks’ costumer’s intention to adopt internet banking services in Yemen: Using the Unified Theory of Acceptance and Use of Technology (UTAUT), 2021 International Congress of Advanced Technology and Engineering (ICOTEN), pp. 1 – 8, 2021, DOI: 10.1109/ICOTEN52080.2021.9493448.

M. Al-Husein and M.A. Sadi, Preference on the perception of mobile banking: a Saudi Arabian perspective, European Online Journal of Natural and Social Sciences 4(1) (2015), 161 – 172, URL: https://european-science.com/eojnss/article/view/2627.

S. Alwahaishi and V. Snasel, Acceptance and use of information and communications technology: a UTAUT and flow based theoretical model, Journal of Technology Management & Innovation 8(2) (2013), 61 – 73, DOI: 10.4067/S0718-27242013000200005.

E. Ammenwerth, Technology acceptance models in health informatics: TAM and UTAUT, in: Applied Interdisciplinary Theory in Health Informatics, P. Scott et al. (eds.), 64 – 71, IOS Press, DOI: 10.3233/SHTI190111.

M. Baabdullah, A.A. Alalwan, N.P. Rana, H. Kizgin and P. Patil, Consumer use of mobile banking (m-banking) in Saudi Arabia: Towards an integrated model, International Journal of Information Management 44 (2019), 38 – 52, DOI: 10.1016/j.ijinfomgt.2018.09.002.

J.D. Brown, The Cronbach alpha reliability estimate, JALT Testing & Evaluation SIG Newsletter 6(1) (2002), 17 – 18, URL: https://hosted.jalt.org/test/PDF/Brown13.pdf.

M.A. Camilleri and A. Camilleri, The technology acceptance of mobile applications in education, in: Proceedings: International Association for Development of the Information Society, 13th International Conference on Mobile Learning, Budapest, April 10th 2017, URL: https://eric.ed.gov/?id=ED579209.

M. Ghobakhloo and M. Fathi, Modeling the success of application-based mobile banking, Economies 7(4) (2019), 114, DOI: 10.3390/economies7040114.

S. Jovana and P. Aleksandra, Antecedents of mobile banking: Utaut model, The European Journal of Applied Economics 16(1) (2019), 20 – 29, DOI: 10.5937/EJAE15-19381.

I.R. de Luna, F. Montoro-Rios, F. Liebana-Cabanillas and J.G. de Luna, NFC technology acceptance for mobile payments: A Brazilian perspective, Revista Brasileira De Gestão De Negócios Review of Business Management 19(63) (2017), 82 – 103, DOI: 10.7819/rbgn.v0i0.2315.

S.A. Raza, N. Shah and M. Ali, Consumers’ acceptance of mobile banking in islamic banks: evidence from modified UTAUT model, Journal of Islamic Marketing 10(1) (2019), 357 – 376, DOI: 10.1108/JIMA-04-2017-0038.

M. Saparudin, A. Rahayu, B. Hurriyati and M.A. Sultan, Exploring the role of trust in mobile-banking use by Indonesian customer using unified theory of acceptance and usage technology, International Journal of Financial Research 11(2) (2020), DOI: 10.5430/ijfr.v11n2p51.

M. Saparudin, A. Rahayu, R. Hurriyati, M.A. Sultan and A.M. Ramdan, Consumers’ continuance intention use of mobile banking in Jakarta: Extending UTAUT models with trust, in 2020 International Conference on Information Management and Technology (ICIMTech), IEEE, (2020), pp. 50 – 54, DOI: 10.1109/ICIMTech50083.2020.9211188.

J. Sarfaraz, Unified Theory of Acceptance and Use of Technology (UTAUT) model-mobile banking, Journal of Internet Banking and Commerce 22(3) (2017), 1 – 20, URL: https://www.icommercecentral.com/open-access/unified-theory-of-acceptance-and-use-of-technology-utaut-modelmobile-banking.php?aid=86597.

A.W. Siyal, D. Donghong, W.A. Umrani, S. Siyal and S. Bhand, Predicting mobile banking acceptance and loyalty in Chinese bank customers, SAGE Open 9(2) (2019), p. 2158244019844084, DOI: 10.1177/2158244019844084.

Statistics of social media usage in Saudi Arabia (2020), Online available: https://enigmaksa.com/2020/10/14/social-media-statistics-saudi-arabia-2020/

Downloads

Published

23-05-2022
CITATION

How to Cite

Almutairi, B. S., Almutairi, . E. K., Almutairi, N. M., & Alsheail, M. M. (2022). Analysis User Acceptance of Saudi Banks Applications in Qassim Region Using UTAUT. Communications in Mathematics and Applications, 13(1), 387–400. https://doi.org/10.26713/cma.v13i1.1978

Issue

Section

Review Article