This study aimed to investigate factors influencing the acceptance of mobile banking in Libya. To assist in identifying these factors, a detailed research was carried out to identify the current problems faced by the Libyan banks customers, the acceptance of mobile banking in different countries around the world, the importance of adopting this technology to both parties: banks and customers in Libya. The sample elements consisted of 319 existing customers within the banking in Tripoli. They were selected at random depending on their willingness to participate in the research study. A survey was developed to obtain responses from various segments of the society. The findings showed that factors facilitating conditions, perceived self-Efficacy, Perceived ease of use, and perceived usefulness, and have significant imapcts on consumer’s behavioral intentions for the acceptance and usage of mobile banking technology in Libya.
Abbas, H. A., & Hamdy, H. I. (2015). Determinants of continuance intention factor in Kuwait communication market: Case study of Zain-Kuwait. Computers in Human Behavior, 49, 648-657.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human. Decision Processes, 50(2), 179–211.
Amin, H. (2007). An Analysis of Mobile Credit Card Usage Intentions. Information Management and Computer Security, 15(4), 260–269.
Amin, H., Baba, R., & Muhammad, M. (2007). An Analysis of Mobile Banking Acceptance by Malaysian Customers. Sunway Academic Journal, 4(1), 1–12.
Amoako-Gyampah, K., & Salam, A. F. (2004). An Extension of the Technology Acceptance Model in an ERP Implementation Environment. Information and Management, 41(6), 731–745.
Cano, M. D., & Domenech-Asensi, G. (2015). A secure energy-efficient m-banking application for mobile devices. Journal of Systems and Software, 84(11), 1899-1909.
Dai, H., & Palvi, P. C. (2009). Mobile Commerce Adoption in China and The United States: A Cross-Cultural Study. ACM SIGMIS Database, 40(4), 43–61.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, And User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340.
Elgahwash, F., & Freeman, M. (2014). Improving Online Banking Quality in Developing Nations: A Libyan Case. ACIS.
El-Gohary, H. (2010). E-Marketing: Towards A Conceptualization of a New Marketing Philosophy E Book Chapter. In M. Cruz-Cunha, & J. Eduardo Varajão (Eds.), E-Business Issues, Challenges and Opportunities for SMEs: Driving Competitiveness. USA: IGI Global.
Garcia-Alba, J., Wilke-Meins, R. and Navajas, S. (n.d.), M-banking: Extending the Reach of Financial Services through Mobile Payment Systems: The Multilateral Investment Fund, The Inter-American Development Fund, Washington, DC.
Gillespie, P. (2007), “Mobile banking: does it have a future?”, available at: www.forrester.com/ Research/LegacyIT/Excerpt/0,7208,25430,00.htm.
Hernandez, B., Jimenez, J., & Jose Martin, M. (2009). The Impact of Self-Efficacy, Ease of Use and Usefulness On E-Purchasing: An Analysis of Experienced E-Shoppers. Interacting with Computers, 21(1–2), 146–156.
Howcroft, B., Hamilton, R. and Hewer, P. (2002), “Consumer attitude and the usage and adoption of home-based banking in the United Kingdom”, International Journal of Bank Marketing, Vol. 20 No. 3, pp. 111-21.
Hung, S. Y., Ku, C. Y., & Chang, C. M. (2003). Critical Factors of WAP Services Adoption: An Empirical Study. Electronic Commerce Research and Applications, 2(1), 42–60.
IBP, Inc. (2015). Malaysia Banking & Financial Market Handbook, Strategic Information and Regulations (Vol. 1). Washington: Int'l Business Publications.
Jiang, J. J., Hsu, M. K., Klein, G., & Lin, B. (2000). E-Commerce User Behavior Model: An Empirical Study. Human Systems Management, 19(4), 265–276.
Jones, E., Sundaram, S., & Chin, W. (2002). Factors Leading to Sales Force Automation Use: A Longitudinal Analysis. Journal of Personal Selling and Sales Management, 22(3), 145–156.
Kumar, P., & Ramprosad, M. (2016). Informatics Practices for Class 11. New Delhi: S. Chand Publishing.
Lin, L. S., Wijaya, C. D., Cheng, L. & Satirareungchai, T. (2015). Watching the Digital Space. DBS.
Lu, J., Yu, C., & Liu, C. (2004). Facilitating Conditions, Wireless Trust and Adoption Intention. Journal of Computer Information Systems, 46(1), 17-24.
Luarn, P., & Lin, H. H. (2005). Toward an Understanding of the Behavioral Intention to Use Mobile Banking. Computers in Human Behavior, 21(6), 873–891.
Murugiah, L., & Akgam, H. A. (2015). Study of Customer Satisfaction in the Banking Sector in Libya. Journal of Economics, Business and Management, 3(7), 674-677.
Nysveen, H., Pedersen, P. E., & Thorbjornsen, H. (2005). Explaining Intention to Use Mobile Chat Services: Moderating Effects of Gender. Journal of Consumer Marketing, 22(5), 247–256.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer Acceptance of O
In-Text Citation: (Mostafa & Eneizan, 2018)
To Cite this Article: Mostafa, A. A. N., & Eneizan, B. (2018). Factors Affecting Acceptance of Mobile Banking in Developing Countries. International Journal of Academic Research in Business and Social Sciences, 8(1), 333–344.
Copyright: © 2018 The Author(s)
Published by Human Resource Management Academic Research Society (www.hrmars.com)
This article is published under the Creative Commons Attribution (CC BY 4.0) license. Anyone may reproduce, distribute, translate and create derivative works of this article (for both commercial and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this license may be seen at: http://creativecommons.org/licences/by/4.0/legalcode
