Information Technology and People

, volume 29 , issue 4 , pages 830-849

Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon

Ali Tarhini ¹

Mazen El-Masri ²

Maged M. Ali ³

Alan Serrano ³

Hide authors affiliations Show authors affiliations: 3 affiliations

Information Systems

Qatar University |

Brunel University London |

Publication type: Journal Article

Publication date: 2016-11-07

Emerald

Information Technology and People

scimago Q1

wos Q1

SJR: 1.567

CiteScore: 11.4

Impact factor: 5.6

ISSN: 09593845, 17585813

DOI: 10.1108/ITP-02-2014-0034

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Computer Science Applications

Library and Information Sciences

Information Systems

Abstract

Purpose

A number of studies have shown that internet banking (IB) implementation is not only determined by banks or government support, but also by perceptions and experience of IB users. IB studies have showed encouraging results from academics in developed countries. Yet little is known about the user adoption of IB in Lebanon. The purpose of this paper is to investigate the factors that may hinder or facilitate the acceptance and usage of IB in Lebanon.

Design/methodology/approach

A conceptual framework was developed through extending the unified theory of acceptance and use of technology (UTAUT) by incorporating two additional factors namely; perceived credibility (PC) and task-technology fit (TTF). A quantitative approach based on cross-sectional survey was used to collect data from 408 IB consumers. Data were analysed using structural equation modelling based on AMOS 20.0.

Findings

The results of the structural path revealed that performance expectancy (PE), social influence, PC and TTF to be significant predictors in influencing customers’ behavioural intention (BI) to use IB and explained 61 per cent of its variance, with PE was found the strongest antecedent of BI. Contrary to the UTAUT, the effect of effort expectancy on BI was insignificant. In addition, both BI and facilitating conditions were found to affect the actual usage behaviour and explained 64 per cent of its variance

Practical implications

This study would be helpful for bank managers and policy makers to explain the currently relatively low penetration rate of IB in formulating strategies to encourage the adoption and acceptance of IB by Lebanese customers, where IB is still considered an innovation.

Originality/value

This study is the first research that extend the UTAUT by incorporating two additional factors namely; PC and TTF to study the IB in the Lebanese context. This study contributes to the research on computer technology usage by looking at IB adoption and incorporation into the lives of customers via the BI to use and actual usage of IB in Lebanon.

Found

3 citations

Boll Thomas

22 publications, 405 citations, 1 review

h-index: 10

University of Luxembourg

1 citation

Al-Rahmi Dr. Waleed Mugahed

133 publications, 4 870 citations, 38 reviews

h-index: 41

University of Technology, Malaysia

King Saud University

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Cite this

GOST |

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GOST Copy

Tarhini A. et al. Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon // Information Technology and People. 2016. Vol. 29. No. 4. pp. 830-849.

GOST all authors (up to 50) Copy

Tarhini A., El-Masri M., Ali M. M., Serrano A. Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon // Information Technology and People. 2016. Vol. 29. No. 4. pp. 830-849.

RIS |

Cite this

RIS Copy

TY - JOUR

DO - 10.1108/ITP-02-2014-0034

UR - https://www.emerald.com/insight/content/doi/10.1108/ITP-02-2014-0034/full/html

TI - Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon

T2 - Information Technology and People

AU - Tarhini, Ali

AU - El-Masri, Mazen

AU - Ali, Maged M.

AU - Serrano, Alan

PY - 2016

DA - 2016/11/07

PB - Emerald

SP - 830-849

IS - 4

VL - 29

SN - 0959-3845

SN - 1758-5813

ER -

BibTex |

Cite this

BibTex (up to 50 authors) Copy

@article{2016_Tarhini,

author = {Ali Tarhini and Mazen El-Masri and Maged M. Ali and Alan Serrano},

title = {Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon},

journal = {Information Technology and People},

year = {2016},

volume = {29},

publisher = {Emerald},

month = {nov},

url = {https://www.emerald.com/insight/content/doi/10.1108/ITP-02-2014-0034/full/html},

number = {4},

pages = {830--849},

doi = {10.1108/ITP-02-2014-0034}

}

MLA

Cite this

MLA Copy

Tarhini, Ali, et al. “Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon.” Information Technology and People, vol. 29, no. 4, Nov. 2016, pp. 830-849. https://www.emerald.com/insight/content/doi/10.1108/ITP-02-2014-0034/full/html.

Publisher

Emerald

Journal

Information Technology and People

scimago Q1

wos Q1

SJR

1.567

CiteScore

11.4

Impact factor

5.6

ISSN

09593845 (Print)

17585813 (Electronic)