Technological and Organizational Factors Influencing the Internet Banking Use Among SMES in Yemen: The Mediating Role of Attitude

This study proposes the TOE framework that incorporates technological and organizational factors to address utilization of united model within use IB as well examine influence attitude mediator on relationship between SMEs in developing countries particularly Republic Yemen. The includes six exogenous variables, one mediator, an endogenous variable. variables contain (ease use, trust, system quality) (bank support, organization readiness, ICT readiness) a comprise actual usage IB. Besides, this aims at identifying mediating role their impact among sample comprises 280 SMEs, analysis was carried out using structural equation modelling (Amos) causal relationships latent variables. results indicate bank ease quality have significant positive effects IB; however, readiness did not effect. In addition, quality, Yemen; meanwhile, trust Furthermore, has full mediation IB, partial no Finally, findings provide Yemeni with comprehensive set products services operate efficiently by automating several critical banking activities which enables customers engage banks electronically.