أثر المخاطر المتصورة على تبني الخدمات البنكية عبر الهاتف المحمول في الجزائر

الملخص EN

The current investigation revolves around the adoption of mobile banking services in Algeria in light of the increasing development of communication technologies and the increase in demand for them by Algerian banks, by highlighting the most important factors contributing to the adoption of these services according to the technology acceptance model that includes the perceived risk variable as an external variable in The model, In order to embark on such endeavor, a structural equations modeling method is adoption using AMOS24 program on a sample consisting of 148 clients of Algerian banks.

After confirming the conformity and quality indicators of the final study model, the path transactions were estimated, which showed that the perceived risks contribute significantly to the adoption of mobile banking services through their impact on both the perceived ease of use and the perceived benefit.

It was also found that the customer’s attitude towards this type of Services Determines in a very positive and strong way the customer's intention to adopt mobile banking services.