Internet banking: an empirical investigation into the extent of adoption by banks and the determinants of customer satisfaction in the United Arab Emirates

Article


Fernandes, C. and Awamleh, R. 2005. Internet banking: an empirical investigation into the extent of adoption by banks and the determinants of customer satisfaction in the United Arab Emirates. Journal of Internet Banking and Commerce. 10 (1), pp. 1-12.
TypeArticle
TitleInternet banking: an empirical investigation into the extent of adoption by banks and the determinants of customer satisfaction in the United Arab Emirates
AuthorsFernandes, C. and Awamleh, R.
Abstract

This study adopts the Diniz (1998) model to evaluate websites of foreign and local banks in the United Arab Emirates and through a survey of users ascertains factors that influence customer satisfaction of the internet banking service. These are convenience, independence, and security of internet banking transactions.
Results suggest that although the banking sector in the United Arab Emirates is a regional leader, internet banking in the United Arab Emirates is yet to be properly utilized as a real added value tool to improve customer relationship and to attain cost advantages. To identify factors influencing satisfaction of internet banking customers, data was collected from internet banking users in the United Arab Emirates. To examine the data, a factor analyses and multiple regression analyses were conducted. It was revealed that convenience and security of internet banking transactions have a significant impact on satisfaction. The effects of age, gender, number of years as an internet banking user were also explored. Security of internet banking transactions was significant for those using internet banking for more than two years, while not for others. Implications of results were discussed, and future research directions outlined.

JournalJournal of Internet Banking and Commerce
ISSN1204-5357
Publication dates
Print30 Apr 2005
Publication process dates
Deposited19 Oct 2022
Accepted18 Jun 2005
Output statusPublished
Web address (URL)https://ro.uow.edu.au/commpapers/1328/
LanguageEnglish
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