TY  - JOUR
T1  - Integration of Innovation Diffusion Theory (IDT) and Technology Acceptance
Model (TAM) to Understand Mobile Banking Acceptance in Yemen:
The Moderating Effect of Income
AU - M. Mutahar, Ahmed AU - Mohd Daud, Norzaidi AU - Ramayah, T. AU - Isaac, Osama AU - Alrajawy, Ibrahim 
JO  - International Journal of Soft Computing
VL  - 12
IS  - 3
SP  - 164
EP  - 177
PY  - 2017
DA  - 2001/08/19
SN  - 1816-9503
DO  - ijscomp.2017.164.177
UR  - https://makhillpublications.co/view-article.php?doi=ijscomp.2017.164.177
KW  - Mobile banking
KW  -Yemen
KW  - technology acceptance model
KW  -innovation diffusion theory
KW  -compatibility
KW  -trialability
KW  -observability
AB  - The combination of wireless technology and mobile devices through wireless infrastructure has
reshaped the delivery and both the use and delivery of financial services as mobile banking rapidly spreads
worldwide. The purpose of this study is to test the external critical success factors that impact the intention to
use mobile banking services in Yemen via an extended model of TAM (Technology Acceptance Model).
Evaluation of the proposed model was done through a survey of 482 Yemeni individuals who are non-users of
mobile banking services. Structural Equation Modelling (SEM) via AMOS was utilised to determine the relative
importance of associations and interactions between the factors tested. As evidenced by the goodness of fit
of the model to the data, the proposed research model explained 80% of the variance in intention to use mobile
banking services. The multivariate analysis revealed that trialability and compatibility have a significant positive
effect on Perceived Usefulness (PU) and Perceived Ease of Use (PEOU). Furthermore, PEOU and PU both have
a positive important influence on the behavioural intention to use mobile banking services in Yemen. The
moderating effect of income was also tested between perceived usefulness and perceived ease of use and
intention and it was found that income only moderated the relationship between perceived ease of use and
intention to use mobile banking. The results of the current study have the potential to give further insights into
mobile banking strategies.
ER  -