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Factors that Affect Commercial Banks Customers Intention towards Electronic Payment Services in Jordan

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  • Malek Mohammad AL-Majali
  • Amin Ayed Bashabsheh

Abstract

This study aims to identify the factors influencing commercial banks customers intention toward electronic payment services in Jordan (AL-Karak) province. To achieve the aim of the study, a questionnaire has been developed to explore the effect of the independent variables (relative advantages, simplicity, security, consciousness and self efficacy) on the dependent variable (banks customers intention toward E-payment services). Six hundred questioners had distributed and 543 were returned to be valid for the final analysis with response rate of 90.5%. SPSS v 18 was used to test the reliability and composite reliability, normal distribution and correlation between the study variables. Also, Amos v 8 software has been used to examine the study hypotheses. Results of this study indicates an acceptance to four hypotheses related to influence of security, self efficacy, consciousness and simplicity continually. We reject one hypotheses related to relative advantages on banks customers toward E-payment services adoption. Finally, set of recommendations had been present throughout the study.

Suggested Citation

  • Malek Mohammad AL-Majali & Amin Ayed Bashabsheh, 2016. "Factors that Affect Commercial Banks Customers Intention towards Electronic Payment Services in Jordan," International Business Research, Canadian Center of Science and Education, vol. 9(3), pages 79-96, March.
    • Handle: RePEc:ibn:ibrjnl:v:9:y:2016:i:3:p:79-96
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    References listed on IDEAS

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    1. Bagozzi, Richard P. & Baumgartner, Johann & Yi, Youjae, 1989. "An investigation into the role of intentions as mediators of the attitude-behavior relationship," Journal of Economic Psychology, Elsevier, vol. 10(1), pages 35-62, March.
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    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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