Determinants of digital banking adoption in the Kingdom of Saudi Arabia: A technology acceptance model approach

Digital Business Pub Date : 2022-01-01 DOI:10.1016/j.digbus.2022.100037

Hashem Abdullah Alnemer

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引用次数: 18

Abstract

This study aims at investigating the determinants of digital banking adoption in the Kingdom of Saudi Arabia using the Technology Acceptance Model (TAM). The study is based on data from the 2017 Global Financial Inclusion Survey covering 1009 respondents, which has been analysed using simple analytical tools such as the chi-square test and logistics regression. About 51.5% of respondents reported adoption of digital banking in Saudi Arabia. The factor of trust in digital banking has been added to extend the Technology Acceptance Model (TAM) in predicting digital banking technology adoption. The two constructs of the Technology Acceptance Model (TAM) i.e. perceived ease of use (PEOU) and perceived usefulness (PU), show a significant and positive marginal effect on the adoption of digital banking, whereas trust indicates a negative and significant marginal impact with controlling effect of age and education of the consumers. This study provides valuable insights for financial institutions, consumers, business entities and researchers in promoting the digital banking system in Saudi Arabia.

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沙特阿拉伯王国采用数字银行的决定因素:技术接受模型方法

本研究旨在利用技术接受模型(TAM)调查沙特阿拉伯王国采用数字银行的决定因素。该研究基于2017年全球金融包容性调查的数据，该调查涵盖了1009名受访者，并使用卡方检验和物流回归等简单分析工具对其进行了分析。约51.5%的受访者表示在沙特阿拉伯采用了数字银行。在预测数字银行技术采用的过程中，增加了数字银行的信任因素，扩展了技术接受模型。技术接受模型(TAM)的两个结构感知易用性(PEOU)和感知有用性(PU)对数字银行的采用表现出显著的正边际效应，而信任对数字银行的采用表现出显著的负边际效应，并受消费者年龄和教育程度的控制作用。本研究为金融机构、消费者、商业实体和研究人员在沙特阿拉伯推广数字银行系统提供了有价值的见解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Digital Business

CiteScore

7.40

自引率

0.00%

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