Challenges and Factors Influencing the Adoption of Internet Banking in Qatar

Alkailani L., Abu-Shanab E.A.

This study investigated the factors influencing consumers' purchase intention from online stores in Qatar. Moreover, it tried to verify if payment method moderates the relationships concerning the suggested factors and online purchase intention. This research extended the theory of reasoned behavior (TRA) with trust as a predictor and payment method as a moderator. A total of 283 valid responses were collected from Qatari residents through an online questionnaire and analyzed the data to test the research hypotheses. The findings of this research indicated that all proposed factors significantly influenced online purchase intention. Results also indicated that there is no moderation effect of payment method on the proposed hypotheses. Further investigations revealed that all proposed factors significantly affect the online purchase intention for customers who prefer to use credit card payment. Managerial implications and recommendations were presented in addition to the study limitations and suggestions for future research.

Aleroud A., Abu-Shanab E., Al-Aiad A., Alshboul Y.

Purpose Spear phishing is a fraudulent practice that targets specific and well-researched users in an organization to collect their credentials. Previous studies have addressed the underlying drivers that significantly influence susceptibility to spear phishing. However, findings may not be generalized to other cultures and environments such as the developing Non-English-speaking countries. To fill this knowledge gap, this research investigated the drivers that affect susceptibility to spear phishing in the Middle Eastern culture. We proposed and tested a theoretical model that explains users' behavior toward phishing material in the context of Non-English-speaking countries. Design/Methodology/Approach We created the proposed model relying on the perceived risk theory, the theory of planned behavior, and the OSIR decision making model. The proposed model addressed the impact of information privacy risks, information security risks, and information security knowledge on the susceptibility to spear phishing attacks through the moderating trust construct. The study was conducted in Jordan, a developing and Non-English-speaking country in the Middle East. We designed a lab experiment to evaluate the robustness of the proposed model based on a multistage research, where 83 university students used a phishing website then answered a related survey. Collected data were empirically tested and evaluated using Partial Least Square Analysis and Structural Equation Modeling. Findings The results demonstrated the influence of the identified factors on the susceptibility to spear phishing. The study may provide an assistance in evaluating and selecting tools, methods and features for handling targeted types of phishing. Originality/Value There are several novel aspects in this study. 1) the experimental nature of study, where we used a real-life spear phishing scenario. 2) the nature of the targeted websites. We created spoofed pages of two webpages that provide academic activities, where students’ level of trust in those websites is likely higher than other websites. 3) the investigation of the mediation role of trust construct, particularly within a university environment, is a new direction in susceptibility to spear phishing. Unlike existing models that measure the direct effect of personality characteristics on phishing susceptibility, our model introduces trust attitude as an aggregation of positive and negative security-privacy interpretations. Finally, the study was conducted in a developing country environment where the Arabic Language is used in initiating and executing the attack.

Hammouri Q., Abu-Shanab E.A.

Cloud computing is emerging as a major advancement in organizational infrastructure, which aims to bring with it great benefits to technology users. Jordan is one of the developing countries that seeks to adopt such technology. Based on that, this study focused on how Jordanians perceive and respond to cloud computing, and the main factors that govern its adoption and use. Using a quantitative approach, responses from cloud computing users were gathered to investigate their perceptions on the factors affecting their adoption of such technology. A sample of 134 online users was utilized and an instrument of 21 items was used in this study. Results indicated that service quality, cost reduction, IT background, and perceived control are major predictors of online users' intention to adopt cloud computing. Perceived security was not significant in this relation. The researchers conclude this work with their discussion, implications, limitations and future work.

Sathiyamoorthi V., Jayapandian N., Gnana Prakasi O. S., Kanmani P., Vaithiyanathan R., Prasanth Rao A.

The world wide web (WWW) plays a significant role in information sharing and distribution. In web-based information access, the speed of information retrieval plays a critical role in shaping the web usability and determining the user satisfaction in accessing webpages. To deal with this problem, web caching is used. The problem with the present web caching system is that it is very hard to recognize webpages that are to be accessed and then to be cached. This is forced by the fact that there are broad categories of users and each one having their own preferences. Hence, it is decided to propose a novel approach for web access pattern generation by analyzing the web log file present in the proxy server. Further, it tries to propose a novel hybrid policy called popularity-aware modified least frequently used (PMLFU) that best suits for the current proxy-based web caching environment. It combines features such as frequency, recency, popularity, and user page count in decision-making policy. The performance of the proposed system is observed using real-time datasets, empirically using IRCACHE datasets.

Alkhateeb M.A.

E-loyalty has received great interest from researchers as a key element for customer retention and the growth of firms as well as gaining new customers. This study aims to investigate the impact of the electronic website services quality on e-loyalty in the companies listed within Paltel using electronic satisfaction as a mediating variable. Seven dimensions of e-service quality are examined including content, structure, interaction, presentation, responsiveness, e-security, and reliability. The quantitative research approach is conducted on the returned 393 valid surveys. The findings revealed and emphasized the role played by e-satisfaction as a mediating variable between the independent variable's dimensions and the independent variable.

Rahi S., Abd.Ghani M.

Purpose Technology adoption is a great challenge in the banking sector of Pakistan. A recent report issued by state bank of Pakistan revealed that there is a squeak growth, only 3 percent, in internet banking adoption. In order to effectively delve into the issue of internet banking adoption, the purpose of this paper is to use unified theory of acceptance and use of technology factors, namely performance expectancy and effort expectancy and e-service quality (E-SQ), as theoretical lens for this study. Design/methodology/approach The research model was empirically tested using 398 valid responses from customers of commercial banks in Pakistan. The theoretical model was tested using structural equation modeling. Findings Findings indicate that performance expectancy, effort expectancy, website design, customer service, assurance and reliability have direct influence on user intention to adopt internet banking. Results revealed that approximately 79 percent of variance in user intention to adopt internet banking was explained by predictors. In addition, the mediating role of performance expectancy and effort expectancy among website design, customer service and user intention was also confirmed. Practical implications For researchers, this study provides a base of integrated technology model and it suggests using this model in other online domains such as mobile payment and online web-shopping for further refinement. For policymakers, understanding the key constructs is important to design, refine and implement new internet banking website that, in turn, will boost internet banking adoption trend among users of commercial banks. Originality/value This paper makes a unique contribution toward information system and services marketing literature. The study schematized that website design, customer service, assurance and reliability are the key dimensions of E-SQ and significantly influence the user intention to adopt internet banking.

Palau-Saumell R., Forgas-Coll S., Sánchez-García J., Robres E.

This paper examines the adoption of mobile applications for restaurant searches and/or reservations (MARSR) by users, as part of their experiential quality. Following an extended and expanded version of UTAUT-2, this research proposes eight determinants of intentions to use: performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, price-saving orientation, habit, social influence, and perceived credibility. The data were collected from Spanish users of MARSR applications (n = 1200), and analyzed using structural equation modeling (SEM). The findings confirm the need to extend and expand UTAUT-2 by incorporating perceived credibility and the social norm approach. The results gathered from SEM indicate that the drivers of intentions to use MARSR are, in order of impact: habit, perceived credibility, hedonic motivation, price-saving orientation, effort expectancy, performance expectancy, social influence, and facilitating conditions. Habit, facilitating conditions, and intentions to use are significantly related to use. Additionally, the moderating effects of gender, age, and experience were tested by means of a multi-group analysis. The users’ experience was seen to exert a moderating effect in some of the relationships hypothesized in the model, while gender and age did not play a significant role. The findings have both research and practical implications.

Mathew S.A., Quadir Md A.

This article describes the “Blockchain” which is an upcoming technology in the current leading world and which serves as a capital market use-cases for many of the global Fintech industries across the world, is a distributed ledger of economic transactions which not only used for recording financial transactions but mostly everything of value in this world. In the current world, mostly all the transactions are done through online which mainly includes the bank as a “middle man,” which could be untrustworthy at times. Blockchain comes into the picture which eliminates the need of a middle man or third party between the users who are involved in the transactions. Represents a financial ledger entry of data structure which consists of record of transactions which is digitally signed and cannot be tampered as authenticity is ensured in which the ledger is considered to be of high integrity. One of the leading and highly valued platform of blockchain is “Hyperledger Fabric” which is meant for securing transactions and serves a powerful container technology for smart contract development in the global capital firms. The potential of Blockchain and DLT in capital markets in this upcoming world could remove many of the inefficiencies and costs inherent in the global capital markets across the world and could be considered as a viable technology which enable to settlement.

Vaidyanathan S., Kidambi S.S.

This article describes how knowledge is one of the most important assets in organizations which should be carefully managed and is continuously generated throughout an organization. Knowledge sharing is a process through which, one person is affected by the experiences of another. This involves more than simply acquiring or transmitting knowledge from one party to another, but is a process of exchanging and processing knowledge in a way that knowledge of one person can be integrated and used in by another person. Plenty of studies on knowledge sharing have been examined by numerous companies. However, not many empirical studies have been conducted in accordance with the framed model of ICT as a determinant and sharing of knowledge through social media within IT companies. This empirical study is aimed at identifying the critical ICT factors for enriching the knowledge sharing among employees through social media in IT organizations. The expected outcome of this study will be analyzing and establishing the causal relationships between the ICT influencing factors and knowledge sharing through social media.

Varela M.L., Putnik G.D., Carvalho M.D., Ferreira L., Cruz-Cunha M.M., Manupati V.K., Manoj K.

Online shopping is nowadays is a highly frequent action but there are several critical factors that have to be considered for enabling websites and platforms to be able to offer all necessary requisites for guaranteeing user friendly, secure and also enjoyable shopping experiences to clients, offering them exactly what they expect to buy, and quickly find, among a huge offer available online. In this paper, a set of considered critical success factors are analysed on a set of top ranked websites, about luxurious furniture, to understand to what extent these critical factors are satisfied. The results can be taken into consideration for implementing a successful business through e-commerce from herein analysed perspectives.

Sander T., Sloka B., Kalkis H.

Employer rating platforms are an important source of information for potential candidates to collect and provide information about the employer. The information is beneficial and different to official company information. The research investigates the reasons to use employer rating platforms by individuals. Trust is important for the exchange of information and use of employer rating platforms. The analysis of empirical data obtained in survey has been done with indicators of central tendency or location. For empirical data analysis it used ANOVA, t-test and Spearman correlation coefficient to investigate the significance of differences in evaluations between demographic groups. The research has been done by a survey of 514 participants who are living in Germany. The research provides the result that the use of employer rating platforms depends on demographic factors. The main result is that people trust employer rating platforms. They are aware that they can be manipulated with the information at employer rating platforms.

Tarhini A., El-Masri M., Ali M., Serrano A.

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.

Morosan C., DeFranco A.

October 2015 marks the deadline for merchants in the U.S. to accept Europay Mastercard and Visa (EMV) payments, or else be liable for fraud. Within this new context, and corroborated with the rapid development in mobile payment technology, a new form of payment is increasingly gaining ground: near field communication (NFC) mobile payments (NFC-MP). NFC-MP, relatively new to the U.S., are completed using mobile devices equipped with proximity technology such as NFC (e.g., Apple iPhone6) and are substantially different than traditional web-based mobile payments. Based on data from a sample of 794 hotel consumers selected from the United States general population, this study revisited the Unified Theory of Acceptance and Use of Technology (UTAUT2) to build a comprehensive model that explains intentions to use NFC-MP in hotels. It was found that performance expectancy was the highest predictor of intentions, while hedonic motivations, habit, and social influences have relatively lower effects. Several important implications for academics and industry decision-makers are formulated.

Chaouali W., Ben Yahia I., Souiden N.

The aim of this paper is to shed light on the roles of counter-conformity motivation, social influence, and trust in explaining customers' intention to adopt Internet banking services. Data is collected from 245 respondents and analyzed using SmartPLS 2.0 M3. Results show that the intention to adopt Internet banking is mainly influenced by trust in the Internet banking services, followed by customers' counter-conformity motivation and performance expectancy. Social influence and trust in the physical bank, however, have indirect impacts on customers’ intention to adopt Internet banking. Effort expectancy has no effect on it.

Yousafzai S.Y.

How and why individuals use Internet banking (IB) has attracted a great deal of academic attention. This article reviews the IB literature through the lenses of nine adoption theories. The review suggests that IB adoption is a complex and multifaceted process, and a joint consideration of customers’ personal, social, psychological, utilitarian and behavioural aspects is more important than adoption itself and will ultimately result in the intended behaviour. Therefore, managers and system developers should undertake a customer-centric approach focusing on managing belief formation rather than directly influencing behaviour. The review also concludes that IB research is in an inconclusive state, and is far from unanimamous regarding the approaches and conceptualizations used to understand the beliefs that truly influence IB behaviour. There is limited research dealing with the role of interventions that can assist managers in making effective decisions to speed the adoption process.