Usage Differences in Electronic Banking Services Between Saudis and Non-Saudis in Saudi Commercial Banks

Abstract

This paper reports on study conducted in the Kingdom of Saudi Arabia to examine the usage differences in electronic banking services between Saudis and non-Saudis. The study compares views of Saudis with non-Saudis on their use of electronic banking services in Saudi commercial banks. The design for the study used quantitative research methodology. Data were collected by means of questionnaires adopting snowballing technique. Five hundred questionnaires were distributed to Saudis and non-Saudi banks' respondents comprising faculty, managers, technicians, clerks, workers and students in Dhahran, Khobar, Damman and Jubail the four major cities in the Eastern Province of Saudi Arabia for six months. The SPSS for Windows package version 18 was utilised for the analysis of the data collected from the survey. The researcher used the frequencies, crosstabulations, means, and variances, in addition to independent-samples T-test to test for statistical significance of the research hypotheses. The quantitative data provided very strong evidence to support the hypotheses that there are significant usage differences in the electronic banking services between Saudis and non-Saudis in Saudi commercial banks. Findings revealed how Saudis were more frequently using the electronic banking services than their counterpart the non-Saudis. In addition, considerable numbers of non-Saudis reported how they had never used mobile SMS, phone banking, credit cards, and Internet banking. The study provides new empirical evidence and enhances our understanding of the electronic banking technology usage in a developing country.