Integration of Innovation Diffusion Theory (IDT) and Technology AcceptanceModel (TAM) to Understand Mobile Banking Acceptance in Yemen:The Moderating Effect of Income

摘要

The combination of wireless technology and mobile devices through wireless infrastructure hasreshaped the delivery and both the use and delivery of financial services as mobile banking rapidly spreadsworldwide. The purpose of this study is to test the external critical success factors that impact the intention touse mobile banking services in Yemen via an extended model of TAM (Technology Acceptance Model).Evaluation of the proposed model was done through a survey of 482 Yemeni individuals who are non-users ofmobile banking services. Structural Equation Modelling (SEM) via AMOS was utilised to determine the relativeimportance of associations and interactions between the factors tested. As evidenced by the goodness of fitof the model to the data, the proposed research model explained 80% of the variance in intention to use mobilebanking services. The multivariate analysis revealed that trialability and compatibility have a significant positiveeffect on Perceived Usefulness (PU) and Perceived Ease of Use (PEOU). Furthermore, PEOU and PU both havea positive important influence on the behavioural intention to use mobile banking services in Yemen. Themoderating effect of income was also tested between perceived usefulness and perceived ease of use andintention and it was found that income only moderated the relationship between perceived ease of use andintention to use mobile banking. The results of the current study have the potential to give further insights intomobile banking strategies.