The Mediating of Perceived Usefulness and Perceived Ease of Use: The Case of Mobile Banking in Yemen

Int. J. Technol. Diffusion Pub Date : 2018-04-01 DOI:10.4018/IJTD.2018040102

A. M. Mutahar, M. Norzaidi, Thurasamy Ramayah, Osama Isaac, Rasheed Abdulsalam

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引用次数: 46

Abstract

Whilethereareawiderangeofbusinessopportunitiesavailableviamobiletechnologies,mobile bankingserviceshavenotbeenwidelyacceptedbybankclientsinYemen.Thisarticleaimstotestthe mediationeffectofTAMcoreconstructsbetweentheexternalfactorself-efficacyandtheintention. QuestionnairesurveydatacollectedfromFourhundredandeighty-twovalidresponsesfrombank clients.SEMviaAMOSwasutilizedtodeterminetheimportancelevelsofassociationsandinteractions betweenthefactorstested.Theproposedmodelevidencedbygoodnessoffitofthemodeltothe data,explained81%ofthevarianceinintention.Thefindingsofthemultivariateanalysisrevealthat self-efficacyhashadasignificantlypositiveaffectontheperceivedusefulness,andperceivedeaseof use.Inaddition,easeofuseandusefulnesshasapositiveimportantdirectinfluenceontheintention. Also,usefulnessandeaseofusemediatedtherelationbetweenself-efficacyandintention.Theresults ofthecurrentarticlemightgivefurtherinsightsintomobilebankingstrategies. KEYwoRDS Intention to Use Mobile Banking Services, Mediation, Mobile Banking, Self-Efficacy, Technology Acceptance Model (TAM)

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感知有用性和感知易用性的中介:也门移动银行的案例

Whilethereareawiderangeofbusinessopportunitiesavailableviamobiletechnologies，mobile bankingserviceshavenotbeenwidelyacceptedbybankclientsinYemen。Thisarticleaimstotestthe mediationeffectofTAMcoreconstructsbetweentheexternalfactorself-efficacyandtheintention。QuestionnairesurveydatacollectedfromFourhundredandeighty-twovalidresponsesfrombank客户端。SEMviaAMOSwasutilizedtodeterminetheimportancelevelsofassociationsandinteractions betweenthefactorstested。Theproposedmodelevidencedbygoodnessoffitofthemodeltothe数据，explained81%ofthevarianceinintention。Thefindingsofthemultivariateanalysisrevealthat self-efficacyhashadasignificantlypositiveaffectontheperceivedusefulness，andperceivedeaseof use.Inaddition，easeofuseandusefulnesshasapositiveimportantdirectinfluenceontheintention。还有，usefulnessandeaseofusemediatedtherelationbetweenself-efficacyandintention。Theresults ofthecurrentarticlemightgivefurtherinsightsintomobilebankingstrategies。关键词:手机银行服务意向，中介，手机银行，自我效能感，技术接受模型

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Int. J. Technol. Diffusion

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