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E-Banking Adoption by Algerian Bank Customers: Towards an Integrated Model

Author

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  • Mohammed Bellahcene

    (LEPPESE Laboratory, University Centre of Maghnia, Algeria)

  • Hela Latreche

    (LEPPESE Laboratory, University Centre of Maghnia, Algeria)

Abstract

This study aimed to identify the factors affecting customers' adoption and use of e-banking services in Algeria. For this purpose, a theoretical model—based on the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT)—was developed. To test the hypotheses, a survey was conducted on 326 Algerian bank customers, and the data were analyzed using structural equation modeling. At the end, the results indicate that perceived usefulness and perceived ease of use significantly positively influence attitudes toward e-banking. In turn, attitudes toward e-banking influence behavioral intention and behavioral intention, facilitating conditions each influence significantly and positively actual e-banking use. The results also found that the relationship between perceived usefulness and attitude toward e-banking use was stronger for women, and the relationship between facilitating conditions and actual e-banking use was significantly stronger for older end-users.

Suggested Citation

  • Mohammed Bellahcene & Hela Latreche, 2023. "E-Banking Adoption by Algerian Bank Customers: Towards an Integrated Model," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 15(1), pages 1-20, January.
    • Handle: RePEc:igg:jesma0:v:15:y:2023:i:1:p:1-20
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    References listed on IDEAS

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    1. Sahar Afshan & Arshian Sharif & Nazneen Waseem & Reema Frooghi, 2018. "Internet banking in Pakistan: an extended technology acceptance perspective," International Journal of Business Information Systems, Inderscience Enterprises Ltd, vol. 27(3), pages 383-410.
    2. Sharma, Rashmini & Singh, Gurmeet & Sharma, Shavneet, 2020. "Modelling internet banking adoption in Fiji: A developing country perspective," International Journal of Information Management, Elsevier, vol. 53(C).
    3. Seyed Hossein Siadat & Sajjad Shokohyar & Sara Shafahi, 2019. "SOA Adoption Factors in E-Banking: An Empirical Analysis from the Practical Perspective," International Journal of Information Systems in the Service Sector (IJISSS), IGI Global, vol. 11(1), pages 25-39, January.
    4. Rahi, Samar & Abd.Ghani, Mazuri & Hafaz Ngah, Abdul, 2019. "Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan," Technology in Society, Elsevier, vol. 58(C).
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