المستخلص: |
Online banking offers services around the world through Automated Teller Machines (ATM), Internet banking and telephone banking ... act . It helps banks to remain competitive and enhance customer service. Customer acceptance of online banking services in some developing countries is quite low. This paper reports on research based on the Technology Acceptance Model (TAM) which has been validated over several studies and has contributed to the research into technology acceptance by individuals in developing and developed countries. This study attempts to validate the integration of the TAM constructs Perceived Ease of Use (PEOU) and Perceived Usefulness (PU) with the external factors of trust and internet quality with respect to their influence on customer intentions to use online banking in Libya. Using Structural Equation Modeling (SEM) on data from a survey of 536 customers from four banks in major cities in Libya, the study results indicate the significant role of Internet quality, trust, PEOU and PU in encouraging customers to adopt online banking in Libya. Conclusions and recommendations for future research are also provided.
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