کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
1025988 1483219 2012 12 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Big TAM in Oman: Exploring the promise of on-line banking, its adoption by customers and the challenges of banking in Oman
موضوعات مرتبط
علوم انسانی و اجتماعی مدیریت، کسب و کار و حسابداری سیستم های اطلاعات مدیریت (MIS)
پیش نمایش صفحه اول مقاله
Big TAM in Oman: Exploring the promise of on-line banking, its adoption by customers and the challenges of banking in Oman
چکیده انگلیسی

Information and communication technology (ICT) developments and trends in recent years have had great impact on the banking sector worldwide. In many developed and developing countries, the use of disruptive innovation technologies has accelerated change in the way banking business is conducted, consumers being swept along with such change. However, in many countries, such as Oman, there are deep routed cultural and religious factors that cause consumers to question the acceptance of such changes. Through the use of a theoretical framework built on technology acceptance frameworks and models, and empirical evidence from key market segments of the Omani banking market, the research explores the factors that influence Omani consumer acceptance of on-line banking. The findings are significant in that trust, usability and perceived quality are deemed key drivers. This is probably not unexpected, however, what is interesting is that the market profile is skewed to middle aged users, with social standing and “herd” mentality does not affect the adoption of the technology. This, combined with the emerging mobile savvy younger generation poses an interesting challenge for the future of the banking sector in Oman and implies a need for the sector to rethink the strategic use of, and approach to, implementation of on-line banking in a way that is complementary to the cultural and ethological dimension of the market. In effect, the banking sector will need to manage the covert tension between technology driving “fast time”, and the Omani culture, religion and tradition demanding face to face “slow time”.


► Deep routed cultural and religious factors cause consumers to question acceptance of on-line banking.
► Trust, usability and perceived quality influence Omani consumer acceptance of on-line banking.
► Social standing and “herd” mentality do not affect the adoption of the technology.

ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: International Journal of Information Management - Volume 32, Issue 3, June 2012, Pages 239–250
نویسندگان
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