Adoption of Mobile Banking Applications in Lebanon

Marc F Audi (), Marwan Wahbi, Saber Abdallah, Lynn Kassem, Nour Jaber and Reem Makkawi
Additional contact information
Marc F Audi: Center of Economics, University of Paris 1 Pantheon-Sorbonne, France and Faculty of Business, AZM University, Lebanon
Marwan Wahbi: Center of Economics, University of Paris 1 Pantheon-Sorbonne, France, Faculty of Business, AZM University and Rafik Hariri University, Lebanon
Saber Abdallah: Center of Economics, University of Paris 1 Pantheon-Sorbonne, France, Faculty of Business, AZM University and Rafik Hariri University, Lebanon
Lynn Kassem: Center of Economics, University of Paris 1 Pantheon-Sorbonne, France, Faculty of Business, AZM University and Rafik Hariri University, Lebanon
Nour Jaber: Center of Economics, University of Paris 1 Pantheon-Sorbonne, France, Faculty of Business, AZM University and Rafik Hariri University, Lebanon
Reem Makkawi: Center of Economics, University of Paris 1 Pantheon-Sorbonne, France, Faculty of Business, AZM University and Rafik Hariri University, Lebanon

Journal of Internet Banking and Commerce, 2016, vol. 21, issue 01, 01-15

Abstract: This research studied the impact of mobile banking adaptation in Lebanon. A brief overview of the Lebanese banking sector has shown how it is very dynamic and large. The overview also shows that the Lebanese banking sector is very competitive and changing with the development of new technologies and the availability of new services. To explain mobile banking applications in Lebanon two models were studied in the literature. The first is the innovation diffusion theory which has 5 different constructs: relative advantage, compatibility, communicability, trailability and complexity. The innovation diffusion theory talks about the path innovations take to reach final adopters. The technology acceptance model on the other hand relates the effects of it main components, perceived ease of use and perceived usefulness, on consumer attitude and intention to adopt. Our model is based on both theories and has 8 constructs. It shows the effect of the 5 constructs of the innovation diffusion theory merging perceived usefulness to relative advantage and replacing complexity with perceived ease of use. We have developed 8 hypotheses based on the construct of the model and to study the user-none user effect. A personal administered survey done using convenient sampling managed to gather 315 respondents from 5 different locations in Beirut after administering pilot testing. All variables were tested for validity and reliability using different tests. A biverate linear regression analysis was used to test the hypotheses and establish the relations between the different variables. We also did an independent t-test to analyze the user none-user effects. It is concluded that this paper with a discussion of the tests and recommending the best way to market mobile banking applications and designing a good version of mobile banking that looks appealing to consumers.

Keywords: Mobile banking; Lebanese market; Electronic banking (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2016
References: Add references at CitEc
Citations:

Downloads: (external link)
https://www.icommercecentral.com/open-access/adopt ... ebanon.php?aid=67473 Full text (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ris:joibac:0137

Access Statistics for this article

Journal of Internet Banking and Commerce is currently edited by Vijaya Lakshmi, Nahum Goldmann and Dale Pinto

More articles in Journal of Internet Banking and Commerce
Bibliographic data for series maintained by Dale Pinto ().