TY - GEN
T1 - Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen
T2 - International Conference on Advances in Electrical and Computer Technologies, ICAECT 2021
AU - Al-Fahim, Nabil Hussein
AU - Abdulghafor, Rawad
AU - Turaev, Sherzod
N1 - Funding Information:
Acknowledgements The authors would like to thank the United Arab Emirates University for funding this work under Start-Up grant G00003321. Also, the second author’s research has been supported by Grant RMCG20-023-0023, Malaysia International Islamic University.
Publisher Copyright:
© 2022, The Author(s), under exclusive license to Springer Nature Singapore Pte Ltd.
PY - 2022
Y1 - 2022
N2 - 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 the main role in the implemention 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 toward 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 toward 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 toward 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.
AB - 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 the main role in the implemention 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 toward 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 toward 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 toward 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.
KW - Behavior intention
KW - Internet banking
KW - Organization readiness
KW - SMEs
KW - TOE
KW - Yemen
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U2 - 10.1007/978-981-19-1111-8_30
DO - 10.1007/978-981-19-1111-8_30
M3 - Conference contribution
AN - SCOPUS:85134357930
SN - 9789811911101
T3 - Lecture Notes in Electrical Engineering
SP - 371
EP - 388
BT - Advances in Electrical and Computer Technologies - Select Proceedings of ICAECT 2021
A2 - Sengodan, Thangaprakash
A2 - Murugappan, M.
A2 - Misra, Sanjay
PB - Springer Science and Business Media Deutschland GmbH
Y2 - 29 October 2021 through 30 October 2021
ER -