Affecting the Behavioural Intention to Use Electronic Banking Services Among Users in Yemen: Using an Extension of the Unified Theory of Acceptance and Use of Technology

Abstract

E-banking offers services to those under its jurisdiction, where they can benefit from all the electronic transactions with the E- banking. Most studies that look into usage models have not been tested extensively in developing countries, with inconsistent results noted in instances where these models have been tested in developing countries. Even among developing countries in the same region, there are many differences - economic, cultural, political, and demographic-features. This study keen to suggest a model that will increase the usage of E- banking services in developing countries. The pro-posed model may facilitate the understanding of how certain factors can affect the level of usage of E- banking government services in Yemen. The main objective of this study is to gauge the possible antecedents of E- banking services usage by working on a new model based on UTAUT model as well as to answer the research questions posed. This study applied a quantitative research methodology, which includes a numerical measurement and analysis of the factors which influence adoption. In this study, survey questionnaires which involved 393 respondents were be adopted to aggregate the results. The investigation seeks to identify whether variables – Culture, IT support, Familiarity, Performance Expectancy, Social Influence, Facilitating Conditions and Effort Expectancy with the behavioural intention of E-banking services in Yemen. The results show that culture, IT support, familiarity, performance expectancy, social influence, facilitating conditions and effort expectancy were found to positively affect with the behavioural intention of E-banking government services in Yemen.