Người tiêu dùng chấp nhận dịch vụ ngân hàng di động tại Jordan
Tóm tắt
– Mục tiêu của bài báo này là đề xuất và khảo sát một mô hình khái niệm giải thích tốt nhất các yếu tố chính ảnh hưởng đến ý định sử dụng dịch vụ ngân hàng di động (MB) của khách hàng Jordan.
– Mô hình khái niệm đề xuất dựa trên Mô hình chấp nhận công nghệ (TAM). Mô hình này được mở rộng bằng cách thêm yếu tố rủi ro cảm nhận và tự tin như các yếu tố bên ngoài. Mô hình phương trình cấu trúc (SEM) đã được thực hiện để phân tích dữ liệu thu thập từ các bảng câu hỏi khảo sát thực địa được thực hiện trên một mẫu tiện lợi của khách hàng ngân hàng Jordan.
– Kết quả cho thấy rằng ý định hành vi bị ảnh hưởng đáng kể bởi tính hữu ích cảm nhận, tính dễ sử dụng cảm nhận và rủi ro cảm nhận.
– Các ý nghĩa thực tiễn và lý thuyết cho cả các ngân hàng Jordan và các nhà nghiên cứu trong bối cảnh MB cũng được thảo luận trong phần kết luận.
– Các vấn đề liên quan đến MB vẫn chưa được khảo sát một cách thực nghiệm trong bối cảnh Jordan. Bài viết này đã cố gắng lấp đầy khoảng trống này bằng cách khảo sát thực nghiệm một số yếu tố quan trọng ảnh hưởng đến việc chấp nhận MB từ quan điểm của khách hàng Jordan.
Từ khóa
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