The Mediating of Perceived Usefulness and Perceived Ease of Use: The Case of Mobile Banking in Yemen

Ahmed Mohammed Mutahar, Norzaidi Mohd Daud, Ramayah Thurasamy, Osama Isaac and Rasheed Abdulsalam
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Ahmed Mohammed Mutahar: Faculty of Business Management, Universiti Teknologi Mara (UiTM), Shah Alam, Malaysia
Norzaidi Mohd Daud: Faculty of Business Management, Universiti Teknologi Mara (UiTM), Shah Alam, Malaysia
Ramayah Thurasamy: School of Management, Universiti Sains Malaysia, Penang, Malaysia
Osama Isaac: Graduate Business School, Universiti Teknologi Mara (UiTM), Shah Alam, Malaysia
Rasheed Abdulsalam: Faculty of Dentistry, Lincoln University College, Petaling Jaya, Malaysia

International Journal of Technology Diffusion (IJTD), 2018, vol. 9, issue 2, 21-40

Abstract: While there are a wide range of business opportunities available via mobile technologies, mobile banking services have not been widely accepted by bank clients in Yemen. This article aims to test the mediation effect of TAM core constructs between the external factor self-efficacy and the intention. Questionnaire survey data collected from Four hundred and eighty-two valid responses from bank clients. SEM via AMOS was utilized to determine the importance levels of associations and interactions between the factors tested. The proposed model evidenced by goodness of fit of the model to the data, explained 81% of the variance in intention. The findings of the multivariate analysis reveal that self-efficacy has had a significantly positive affect on the perceived usefulness, and perceived ease of use. In addition, ease of use and usefulness has a positive important direct influence on the intention. Also, usefulness and ease of use mediated the relation between self-efficacy and intention. The results of the current article might give further insights into mobile banking strategies.

Date: 2018
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