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The Mediating of Perceived Usefulness and Perceived Ease of Use: The Case of Mobile Banking in Yemen

Author

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  • Ahmed Mohammed Mutahar

    (Faculty of Business Management, Universiti Teknologi Mara (UiTM), Shah Alam, Malaysia)

  • Norzaidi Mohd Daud

    (Faculty of Business Management, Universiti Teknologi Mara (UiTM), Shah Alam, Malaysia)

  • Ramayah Thurasamy

    (School of Management, Universiti Sains Malaysia, Penang, Malaysia)

  • Osama Isaac

    (Graduate Business School, Universiti Teknologi Mara (UiTM), Shah Alam, Malaysia)

  • Rasheed Abdulsalam

    (Faculty of Dentistry, Lincoln University College, Petaling Jaya, Malaysia)

Abstract

While there are a wide range of business opportunities available via mobile technologies, mobile banking services have not been widely accepted by bank clients in Yemen. This article aims to test the mediation effect of TAM core constructs between the external factor self-efficacy and the intention. Questionnaire survey data collected from Four hundred and eighty-two valid responses from bank clients. SEM via AMOS was utilized to determine the importance levels of associations and interactions between the factors tested. The proposed model evidenced by goodness of fit of the model to the data, explained 81% of the variance in intention. The findings of the multivariate analysis reveal that self-efficacy has had a significantly positive affect on the perceived usefulness, and perceived ease of use. In addition, ease of use and usefulness has a positive important direct influence on the intention. Also, usefulness and ease of use mediated the relation between self-efficacy and intention. The results of the current article might give further insights into mobile banking strategies.

Suggested Citation

  • Ahmed Mohammed Mutahar & Norzaidi Mohd Daud & Ramayah Thurasamy & Osama Isaac & Rasheed Abdulsalam, 2018. "The Mediating of Perceived Usefulness and Perceived Ease of Use: The Case of Mobile Banking in Yemen," International Journal of Technology Diffusion (IJTD), IGI Global, vol. 9(2), pages 21-40, April.
    • Handle: RePEc:igg:jtd000:v:9:y:2018:i:2:p:21-40
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    Cited by:

    1. Sindhu Singh & R. K. Srivastava, 2020. "Understanding the intention to use mobile banking by existing online banking customers: an empirical study," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 25(3), pages 86-96, December.
    2. Cheng, Li-Keng & Huang, Hsien-Long & Yang, Shou-Yu, 2021. "Attitude toward 5G: The moderating effect of regulatory focus," Technology in Society, Elsevier, vol. 67(C).

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