Extended Technology Acceptance Model (TAM) for Evaluating Digital Banking Adoption in Saudi Arabia

(Ibrahim Abdou Alamir)

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Abstract

This study investigates the factors influencing the acceptance and use of digital banking services in Saudi Arabia, applying the technology acceptance model. Data were collected from 406 respondents using a structured survey to measure perceived usefulness (PU), perceived ease of use (PEOU), Trust, social influence (SI), perceived risk (PR), behavioral intention (BI), and actual usage. The results showed that PU, PEOU, Trust, SI, and BI significantly positively affected digital banking usage, while PR had a significant negative impact. The findings align with existing literature, reinforcing the importance of user-friendly interfaces, robust security measures, and SI in driving digital banking adoption. Practical implications include enhancing digital banking platforms' usability and trustworthiness to boost user engagement. Future research should consider longitudinal studies and explore the impact of emerging technologies on digital banking adoption.
KEYWORDS
digital transformation, adoption behavior, perceived usefulness (PU), perceived ease of use (PEOU)

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References

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