Abstract
The popularity of self-service technologies, particularly in the banking industry, more precisely with electronic banking channel services, has undergone a major change as individuals' lifestyles develop. This change has affected individuals’ decisions about accepting any new Information Technology, and Information Communications Technology services that are electronically mediated, for example, E-Banking channel services. This study investigates the effect of Individual Factors on User Behaviour, and the moderating role of Trust in the relationship between Individual Factors, and User Behaviour based on the Unified Theory of Acceptance and Use of Technology. This research proposes a model, with a second-order components research framework. It improves current explanations of the acceptance of electronic banking channel services. Furthermore, this study highlights the role of trust on the acceptance of electronic banking channel services, which is the most crucial consideration in customers’ decisions to accept electronic banking channels services. Thus, trust is the spine of the system in the Kurdistan Region of Iraq. Data were collected using an online questionnaire that received 476 valid responses from academic staff who work at the University of Sulaimani. The model tested data using the Partial Least Squares-Structural Equation Modelling approach. The results show that Individual Factors have a positive effect on User Behaviour. Besides, results show that trust moderates the relationship between Individual Factors and User Behaviour.
Highlights
The Kurdistan Region of Iraq (KRI) has developed in multiple sectors over the past two decades
The results showed that disclosure of mobile banking (MB) security on bank websites has a positive relationship with trust in MB, but this relationship is significant only, for the respondents that have already visited the website of it’s banks to obtain information about MB security
The review provides an overview of the E-Banking services that explains how researchers can combine the different points of view and results fitting together as part of the big picture
Summary
The Kurdistan Region of Iraq (KRI) has developed in multiple sectors over the past two decades. In Information Technology (IT), Information Communications Technology (ICT) (Wang et al 2017) and the financial industry. The banking industry, still operates in a traditional way in the KRI. M. Hamakhan Financ Innov (2020) 6:43 transparency and the existence of corruption in all sectors, in the financial sector, has prevented the growth of Electronic Banking services in the Kurdistan Region, and is one of the weak points of the government system. The Kurdistan Region Government (KRG) wants to have an Electronic Government. E-Banking still does not operate in the KRI and Kurdish society is still a cash society
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
