Consumer Online Behaviour: A perspective on Internet Banking Usage in Three Non-western Countries

The paper investigate whether information technology adoption/usage is ubiquitous, especially technology imported into non-industrial nations. Date is collected online/offline in the three countries and a total of (677) actual internet banking users in (Egypt, Saudi Arabia, and Jordan) answered the questionnaire. Structural equation modelling is employed to examine the fit of the data to the model. Data analysis shows an adequate fit to the model under current usage conditions. Facilitating conditions were not strong determinants of usage behaviour and social influences were weak determinants of behaviour intentions. However, performance expectancy and effort expectancy were found to be key determinants of internet banking usage behaviour in all three countries. The results should enhance our understanding of consumer motivation of using internet banking technology. This understanding can aid our efforts when promoting the e-service.