consumer online behaviour a perspective on internet banking usage in three non-western countries[001]英文精品课件.pdfVIP

Available online at ScienceDirect Procedia Economics and Finance 23 ( 2015 ) 386 – 390 2nd GLOBAL CONFERENCE on BUSINESS, ECONOMICS, MANAGEMENT and TOURISM, 30-31 October 2014, Prague, Czech Republic Consumer Online Behaviour: A perspective on Internet Banking Usage in Three Non-Western Countries Kholoud Al-Qeisi a*, Ahmed Hegazy b aApplied Science University, Shafa Badran, Amman 11931, Jordan b University of Striling, Stirling FK9 4LA, , UK Abstract The paper investigate whether information technology adoption/usage is ubiquitous, especially technology imported into non- industrial nations. Date is collected online/offline in the three countries and a total of (677) actual internet banking users in (Egypt, Saudi Arabia, and Jordan) answered the questionnaire. Structural equation modelling is employed to examine the fit of the data to the model. Data analysis shows an adequate fit to the model under current usage conditions. Facilitating conditions were not strong determinants of usage behaviour and social influences were weak determinants of behaviour intentions. However, performance expectancy and effort expectancy were found to be key determinants of internet banking usage behaviour in all three countries. The results should enhance our understanding of consumer motivation of using internet banking technology. This understanding can aid our efforts when promoting the e-service. © 2014 The Authors. Published by Elsevier B.V. © 2015