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Adoptation Of Internet Banking In Uae: Factors Underlying Adoption Characteristics

Author

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  • Somkiat Mansumitrchai
  • Candy Chiu

Abstract

Technological development has provided tremendous benefits for many industries, including the banking business. The diffusion of internet banking has been witnessed in many countries worldwide. The United Arab Emirates (UAE) recently is one of the most significant economies in its region and in the global arena. Internet banking has been utilized for many years in UAE, and the number of internet banking adopters in UAE has increased steadily. The main focus of this paper was to identify the characteristics of UAE consumers and their attitudes toward the internet banking. Factor analysis suggested seven characteristics important for internet banking adoption, namely compatibility, difficulty, security, trust, third party concern, status, and human contact. Analysis of variance showed that adopters and nonadopters differed on their attitudes toward three factors of adoption: compatibility, trust and human contact. No significant differences were found between attitudes of adopters and non-adopters toward the issues of security, third party concern and status. An interesting finding was that human or physical contact and trust were the most important factors for non-adopters

Suggested Citation

  • Somkiat Mansumitrchai & Candy Chiu, 2012. "Adoptation Of Internet Banking In Uae: Factors Underlying Adoption Characteristics," International Journal of Management and Marketing Research, The Institute for Business and Finance Research, vol. 5(1), pages 103-115.
    • Handle: RePEc:ibf:ijmmre:v:5:y:2012:i:1:p:103-115
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    Citations

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    Cited by:

    1. Zagalaz Jiménez, José Ramón & Aguiar Díaz, Inmaculada, 2019. "Educational level and Internet banking," Journal of Behavioral and Experimental Finance, Elsevier, vol. 22(C), pages 31-40.
    2. Hasibul Islam & Jhansi Bharathi Madavarapu & Nayan Kumar Sarker & Asfaqur Rahman, 2022. "The Effects of Cyber Threats and Technical Problems on Customer's Attitude Towards E-Banking Services," Oblik i finansi, Institute of Accounting and Finance, issue 2, pages 58-67, June.
    3. Imola Drigă, 2014. "Online Banking in The Romanian Banking System," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 14(2), pages 85-92.
    4. Souheila Kaabachi, 2012. "Les facteurs d'adoption des services bancaires islamiques en Tunisie," Post-Print hal-01878310, HAL.
    5. Seok Chan Jeong & Beom-Jin Choi, 2022. "Moderating Effects of Consumers’ Personal Innovativeness on the Adoption and Purchase Intention of Wearable Devices," SAGE Open, , vol. 12(4), pages 21582440221, November.
    6. Adriana Grigorescu & Oana Oprisan & Cristina Lincaru & Camelia Speranta Pirciog, 2023. "E-Banking Convergence and the Adopter’s Behavior Changing Across EU Countries," SAGE Open, , vol. 13(4), pages 21582440231, December.

    More about this item

    Keywords

    Internet banking; adopters and non-adopters of Internet banking; United Arab Emirates;
    All these keywords.

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • N25 - Economic History - - Financial Markets and Institutions - - - Asia including Middle East

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