Engineering Management

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https://hdl.handle.net/20.500.11888/3190

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Browsing Engineering Management by Author "Ahmed Hatem Khrewesh"

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    E-Banking Adoption Model in Palestine
    (2011) Ahmed Hatem Khrewesh; Dr. Baker Abdalhaq
    This research aims at investigating Factors Influencing Customers’ Adoption of E-banking Technology in Palestine. Also, the research aims to introduce E-banking adoption model which can help the banking sector in Palestine. This model could help in spreading E-banking technology among Palestinian society. Literature was reviewed to define Research Framework which is based on the extension of Technology Acceptance Model (TAM) with Theory of Planned Behavior (TPB), Perceived Risk, Technology Usage, and Bank’s Role. The research utilized both qualitative and quantitative research methodology. Qualitative data were collected via interviews with IT bankers and specific banks’ customers. In addition, the quantitative data were gathered from a random sample of one thousand and ten (n=1010) Palestinian banks’ customers via a survey that was developed for this purpose. We retrieved seven hundred and thirty nine (n=739) questionnaires with a response rate of seventy three percent (73%). The research questionnaire was collected, coded, and entered in to SPSS v 17 in order to examine factors influencing Customers’ Adoption of E-banking Technology in Palestine. Various statistical processes were employed such as frequency, means, percentages, in order to answer and test the research questions and hypotheses. Results indicate that Perceived usefulness, perceived ease of use, attitude, and technology (Computer and Internet) usage are the most significant factors influencing E-banking adoption in Palestine. Whereas subjective norms, bank's role, perceived behavioral control, and perceived risk are influencing E-banking adoption in Palestine in less degree. Based on the research findings, Palestinian banks should work on formulating new strategies, developing their operational process, introducing services with high quality, and coordinating with other entities such as PMA, government, ICT companies that would be helpful in achieving customers’ trust and spreading E-banking technology among Palestinian society.