Technological and organizational factors influencing the internet banking use among SMES in Yemen: the mediating role of attitude
This study proposes the TOE framework that incorporates the technological and organizational factors to address the utilization of the united model within the use of IB as well as to examine the influence of the attitude mediator on the relationship between the use of IB and SMEs in developing...
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| Main Authors: | , |
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| Other Authors: | |
| Format: | Book Chapter |
| Language: | English English |
| Published: |
Springer Nature Singapore Pte Ltd.
2021
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| Subjects: | |
| Online Access: | http://irep.iium.edu.my/94804/1/Paper%204.pdf http://irep.iium.edu.my/94804/7/Paper%204-%20Acceptance.pdf http://irep.iium.edu.my/94804/ |
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| Summary: | This study proposes the TOE framework that incorporates the
technological and organizational factors to address the utilization of the united model
within the use of IB as well as to examine the influence of the attitude mediator on the
relationship between the use of IB and SMEs in developing countries particularly the
Republic of Yemen. The model includes six exogenous variables, one mediator, and an
endogenous variable. The exogenous variables contain technological factors (ease of
use, trust, system quality) and organizational factors (bank support, organization
readiness, ICT readiness) as well as attitude to use IB as a mediator and the endogenous
variables comprise of actual usage of IB. Besides, this study aims at identifying the
mediating role of attitude variables and their impact on the use of IB among SMEs in
Yemen. The sample of this study comprises 280 SMEs and the analysis were carried
out using Structural Equation Modelling (Amos) to examine the causal relationships
among the study latent variables. The results indicate that bank support, ICT readiness,
ease of use, and system quality have significant and positive effects on the attitude to
use IB however ICT readiness did not have a significant effect. In addition,
organization readiness, system quality, and attitude have a significant impact on actual
usage of IB among SMEs in Yemen, meanwhile, ease of use and trust did not have a
significant impact on the actual usage of IB among SMEs in Yemen. Furthermore, the
results indicate that the attitude has a full mediation impact on the relationship between
organization readiness, ease of use, trust, and actual use of IB, a partial mediation
impact on the relationship between bank support, system quality, and IB use, and no
mediation impact on the relationship between bank ICT readiness and actual usage of
IB among SMEs in Yemen. Finally, the findings of this study provide the Yemeni
SMEs with a comprehensive set of products and services to operate efficiently by
automating several critical banking services and activities which enables customers to
engage with their banks electronically |
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