Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust

10 Pages Posted: 27 Jul 2020

See all articles by Haitham Jouda

Haitham Jouda

al quds Open University

Ali Abu Jarad

Gaza University

Tareq Obaid

Al-Azhar University, Gaza

Samir Abu Mdallalah

Al-Azhar University, Gaza

Ahmed Awaja

Arab College of Applied Sciences

Date Written: July 25, 2020

Abstract

For financial institutions, mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study aims to shed light on the factors that determine user acceptance of mobile banking applications in Palestine by developing a new acceptance technology model that incorporates the decomposed theory of planned behavior along with perceived trust. Data were collected by conducting a survey questionnaire completed by 682 participants. Collected data were analyzed by structural equation modeling technique. The results indicated a significant positive impact of attitude, perceived behavior control, and perceived trust toward mobile banking in Palestine. Surprisingly, the effects of subjective norms on mobile banking adoption were insignificant.

Keywords: DTPB, Attitude, Perceived Trust, Mobile Banking, Palestine

JEL Classification: G2, M

Suggested Citation

Jouda, Haitham and Abu Jarad, Ali and Obaid, Tareq and Abu Mdallalah, Samir and Awaja, Ahmed, Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust (July 25, 2020). The 1st International Conference on Information Technology & Business ICITB2020, Available at SSRN: https://ssrn.com/abstract=3660403 or http://dx.doi.org/10.2139/ssrn.3660403

Haitham Jouda (Contact Author)

al quds Open University ( email )

Gaza
Al Jalaa St.
Gaza, Gaza 00972
Palestine
00972567241661 (Phone)

Ali Abu Jarad

Gaza University ( email )

Aoun Al Shawa Street - Tal Al Hawa
Gaza
Palestine

Tareq Obaid

Al-Azhar University, Gaza ( email )

Jamal A. El Naser St.
Gaza, P.O. Box 1
Palestine

Samir Abu Mdallalah

Al-Azhar University, Gaza ( email )

Jamal A. El Naser St.
Gaza, P.O. Box 1
Palestine

Ahmed Awaja

Arab College of Applied Sciences ( email )

Gaza, Gaza
Palestine

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