Determination of the TOE Factors influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach
The main purpose for carrying out research on the adoption of the internet banking services is due to the lack of empirical studies on Yemeni internet banking services. The objective of this study is to explore and investigate the factors of Technology-Organization-Environment theory (TOE) tha...
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| Main Authors: | , |
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| Format: | Book Chapter |
| Language: | en en |
| Published: |
Springer Nature Singapore Pte Ltd.
2021
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| Subjects: | |
| Online Access: | http://irep.iium.edu.my/94802/1/Paper%203.pdf http://irep.iium.edu.my/94802/2/Paper%203%20-%20Acceptance.pdf http://irep.iium.edu.my/94802/ |
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| Summary: | The main purpose for carrying out research on the adoption of the
internet banking services is due to the lack of empirical studies on Yemeni
internet banking services. The objective of this study is to explore and investigate
the factors of Technology-Organization-Environment theory (TOE) that play a
main role in the implementing of Internet banking services by SMEs in Yemen.
Four exogenous variables, one mediator, one moderator, and one endogenous
variable make up the current study's framework. The exogenous variables consist
of security, relative advantages, government support, top management and
organization readiness as mediator as well as organization type is moderator
while the endogenous variables comprise of intention towards Internet Banking
(IB) for banks customers (SMEs). This research also identifies the role of
organization readiness as mediating variable that impact SMEs’ intention to
adopt Internet banking service and also the role of organization type as a
moderator between organization readiness and Internet banking adoption. The
current study's sample included 314 people who were analyzed using Partial
Least Square PLS-SEM to look for causal links between the study's latent
variables. The findings showed that security, relative advantages, government
support, top management and organization readiness have a significance and
positive effect on intention towards Internet banking adoption among SMEs in
Yemen. Furthermore, the findings of the study reveal that organization readiness
has a mediating influence on the relationship between TOE factors and intention
towards IB adoption among SMEs. Moreover, the results indicate organization
type moderates the relationship between organization readiness and intention to
adopt IB. In conclusion, the finding shows that SMEs businesses are able to
operate more effectively by implementing a broad set of IB products through
automating many of their major banking activities and through electronic
communication with their banks. |
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