The Application of Information Systems in the Jordanian Banking Sector : a Study of the Acceptance of the Internet

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University of Wollongong Thesis Collections

University of Wollongong Thesis Collection
University of Wollongong

Year 

The application of information systems
in the Jordanian banking sector : a study
of the acceptance of the internet
Ahmad Saleh Al-Sukkar
University of Wollongong

Al-Sukkar, Ahmad Saleh, The application of information systems in the Jordanian banking sector : a study of the acceptance of the internet, PhD thesis, School of Economics and Information Systems, University of Wollongong, 2005. http://ro.uow.edu.au/theses/419 This paper is posted at Research Online.

http://ro.uow.edu.au/theses/419

NOTE
This online version of the thesis may have different page formatting and pagination from the paper copy held in the University of Wollongong Library.

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The Application of Information Systems in the Jordanian
Banking Sector
A study of the Acceptance of the Internet

A thesis submitted in fulfilment of the
requirements for the award of the degree of

DOCTOR OF PHILOSOPHY

from

THE UNIVERSITY OF WOLLONGONG

by

AHMAD SALEH AL-SUKKAR

INFORMATION SYSTEMS

2005

CERTIFICATION

I, Ahmad Al-Sukkar, declare that this dissertation, submitted in fulfilment of the requirements for the award of Doctor of Philosophy in Information Systems, University of Wollongong, is wholly my own work unless otherwise referenced or acknowledged. The document has not been submitted for qualifications at any other academic institution.

Ahmad Al-Sukkar
MAY 2005

II

ABSTRACT

This thesis reports the findings of a study into issues concerning the acceptance of Internet Banking in Jordan, a country of the Middle East. Although conducted at a particular site on a particular IT application, there is justification for claiming that the findings are relevant to the introduction of the broad spectrum of Internet applications into other countries of the region and into developing countries in general. Thus the study makes significant contributions across all areas of IT adoption and usage research and practice as well as informing the banking sector in Jordan.

The research began with an exploratory study involving some preliminary interviews with bank managers in Jordan and a review of some relevant literature. This led to the decision to base the study on the well-known Technology Acceptance Model (TAM) with extensions to make it more relevant for a developing country such as Jordan whose environment is significantly different from that of the Western countries where the technology originated. To this end external variables were added to the model consisting of constructs under the heading of culture and trust from the consumer side and technology quality from the banking side.

For the main study a mixed method approach was taken. An extensive empirical survey was undertaken to collect and analyse quantitative data from bank customers to test the expanded TAM. At the same time interviews were conducted with bank managers, IT people and academics in the field of social science. This qualitative data was processed

III

using manual inspection and computer-based content...
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