العوامل المؤثرة على اتجاهات عملاء البنوك التجارية العاملة في محافظة الكرك نحو تبني خدمات الدفع الإلكتروني

الملخص EN

This study aims to identify the factors influencing commercial banks customers attitude toward electronic payment services adoption in AL-Karak province.

To achieve the aim of the study, a questionnaire has been developed to explore the effect of the independent variables (relative advantages, ease of use, security, awareness and self efficacy) on the dependent variable (banks customers attitude toward E-payment services).

Six hundred questioners had distributed and 543 were returned to be valid for the final analysis with response rate of 90.5% .

SPSS v 18 was used to test the reliability and composite reliability, normal distribution and correlation between the study variables.

Also, Amos v 6 software has been used to examine the study hypotheses.

Results of this study indicates an acceptance to four hypotheses related to influence of security, self efficacy, awareness and ease of use continually.

We reject one hypotheses related to relative advantages on banks customers toward E-payment services adoption.

Finally, set of recommendations had been present throughout the study.