Factors Affecting Intentions to Use Banking Services in Yemen

Khaled Al-Qasa () and Filzah Md Isa ()
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Khaled Al-Qasa: School of Business, Universiti Utara Malaysia, Maybank block Q 102, 06010 Sintok, Kedah, Malaysia
Filzah Md Isa: School of Business Management, College of Business,Universiti Utara Malaysia

Journal of Internet Banking and Commerce, 2013, vol. 18, issue 3, 01-14

Abstract: The issue of attracting customers’ usage of banking services has been solved in developed countries, as well as in some Middle East countries. However, in Yemen, it is still unpredictable, where most of people do not use bank services to facilitate their financial needs. Therefore, it has caused a real problem in the Yemeni economy. Consequently, this research targets to close the gap by investigating the factors influencing Yemeni's consumers who possibly differ from consumers in the developed countries in terms of their psychological, cultural and behavior to use the banking system. Data were collected through questionnaires collected from university students and analyzed by SPSS version 17. Proposed hypotheses were statistically tested by means of factor analysis, correlation and regression analysis. This study came out with rich results and highlighted that the relationship between, service quality, banking Legal framework, bank advertisement are significant and positive on behavioral intention except cultural belief where it was significant but played a negative role in using the banking system in Yemen.

Keywords: Behavioral Intention; Service Quality; Legal Framework; Advertisement; Cultural Belief (search for similar items in EconPapers)
JEL-codes: G24 (search for similar items in EconPapers)
Date: 2013
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Persistent link: https://EconPapers.repec.org/RePEc:ris:joibac:0317

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