An examination of the factors influencing Yemeni Bank users behavioural intention to use Internet banking services

The purpose of this study was to examine the potential prominent factors relating to the adoption and use of the financial services of Internet banking (IB). The study was carried out using a self-administered survey involving a convenience sample of 369 Yemeni bank customers. The survey revealed that the overall prominent predictors include Relative Advantage/Compatibility, User's Informational-Based Readiness, Attitude, Observability, Technology Facilitating Condition, Perceived Behavioural Control and Self-efficacy. The model accounted for 75 per cent of the variation of an individual's behavioural intention to use IB. In addition, it was also discovered that a majority of the respondents are innovators and early adopters of IB. Yet, the adoption of IB financial service is still relatively low. © 2010 Macmillan Publishers Ltd.