Examining Factors Affecting Customer Intention And Adoption Of Internet Banking In Jordan

This study aims to propose and validate a conceptual model demonstrating the main factors predicting customers’ intention and adoption of Internet banking in Jordan. The conceptual framework was theorised by integrating factors from the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2): performance expectancy (PE), facilitating conditions (FC), and hedonic motivation (HM) along with perceived risk (PR) and trust (TR) were extracted from Internet banking literature. A self-administrative questionnaire has been employed to collect data from a convenience sample of three hundred and forty-eight Jordanian banking customers (69.6% response rate). By facilitating AMOS 21, a structural equation modelling (SEM) has been conducted to validate the proposed model and examine the research hypotheses. Statistical results approved that all predictors of behavioural intention (BI) have been recognised as significant. TR was the most influential factor predicting BI. This study ended by deliberating the research limitations and future directions.