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Factors Impacting E-Banking Adoption in Iraq |
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| รหัสดีโอไอ | |
| Creator | Nibras Khadim Abed, Muhummad Khairul Islam |
| Title | Factors Impacting E-Banking Adoption in Iraq |
| Contributor | - |
| Publisher | TuEngr Group |
| Publication Year | 2565 |
| Journal Title | International Transaction Journal of Engineering, Management, & Applied Sciences & Technologies |
| Journal Vol. | 13 |
| Journal No. | 9 |
| Page no. | 13A9R: 1-10 |
| Keyword | e-banking, Service adoption, Trust, Comparative Advantage, Complexity |
| URL Website | http://TuEngr.com/Vol13-9.html |
| Website title | ITJEMAST V13(9) 2022 @ TuEngr.com |
| ISSN | 2228-9860 |
| Abstract | This research aims to examine factors impacting e-banking adoption in Iraq. The instrument for this study was adapted from literature, and validity was assessed through convergent and discriminant validity measures. A total of 350 questionnaires were distributed among consumers with a bank account, 285 respondents returned the filled questionnaires, and only 250 were used for analysis, with a response rate of 71.4%. Analysis showed that 63percent of the respondents were males, 70percent the majority of the respondents belonged to an age group of 18-25 years, 55percent held a bachelor's degree, and 56percent of the respondents were employees with more than six years of experience 45percent. The results for direct relationships reported a positive and significant impact on trust, privacy, and reliability of e-banking adoption. On the other hand, complexity showed a negative and significant impact on e-banking adoption, suggesting that an increase in complexity will reduce e-banking adoption. Lastly, awareness reported an insignificant impact on e-banking adoption. |
