Investigation of factors affecting growth of e-banking services in Saudi Arabia

摘要

E-banking is an extremely useful channel for both the service providers and the consumers. Consequently, e-banking has been widely researched and widely adopted in last decade or so but its adoption in developing countries has been quite limited. In this paper, we analyze factors which cause/inhibit the adoption of e-banking in Saudi Arabia. To this end, we use a deductive enquiry method, employingtheUnified Theory of Acceptance and Use of Technology model Confirmatory factor analysis is conducted to test the reliability of the questionnaire and regression model is the used to test the generated model. This research finds that age of the user and perceived risk in using the system are negatively related to people's attitude towards using e-banking. On the other hand, Perceived Usefulness, Social Influence, Facilitating Conditions and availability of internet connection positively affect people's attitude towards using e-banking. This research also finds that people's attitude towards using e-banking positively and significantly influences