Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach

Nabil Hussein Al-Fahim, Rawad Abdulghafor, Sherzod Turaev

Research output: Chapter in Book/Report/Conference proceedingConference contribution

1 Citation (Scopus)

Abstract

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.

Original languageEnglish
Title of host publicationAdvances in Electrical and Computer Technologies - Select Proceedings of ICAECT 2021
EditorsThangaprakash Sengodan, M. Murugappan, Sanjay Misra
PublisherSpringer Science and Business Media Deutschland GmbH
Pages371-388
Number of pages18
ISBN (Print)9789811911101
DOIs
Publication statusPublished - 2022
EventInternational Conference on Advances in Electrical and Computer Technologies, ICAECT 2021 - Coimbatore, India
Duration: Oct 29 2021Oct 30 2021

Publication series

NameLecture Notes in Electrical Engineering
Volume881
ISSN (Print)1876-1100
ISSN (Electronic)1876-1119

Conference

ConferenceInternational Conference on Advances in Electrical and Computer Technologies, ICAECT 2021
Country/TerritoryIndia
CityCoimbatore
Period10/29/2110/30/21

Keywords

  • Behavior intention
  • Internet banking
  • Organization readiness
  • SMEs
  • TOE
  • Yemen

ASJC Scopus subject areas

  • Industrial and Manufacturing Engineering

Fingerprint

Dive into the research topics of 'Determination of the TOE Factors Influencing the Adoption of Internet Banking Services on SMEs in Yemen: A Moderated Mediation Approach'. Together they form a unique fingerprint.

Cite this