دوافع العملاء نحو تبني تكنولوجيا الهاتف المصرفي : دراسة على المصارف الإسلامية السودانية

الملخص EN

Information Technology has accounted many of academic studies because of technology’s ability to overcome the time effort and location.

therefore, this study aims to identify the impact of customers’ motives dimensions to adopt mobile banking technology.

After literature review a model and hypotheses of the study have been built, also a questionnaire has been designed depending on previous studies to collect data.According to the nonprobability sample, (300) questionnaires have been distributed (260) have been retrieved and response rate was (77.6%).

The field study has been conducted on a number of Sudanese Islamic banks’ customers, a several statistical methods used including (Cronbach's alpha, factor analysis, reliability and regression analysis) for Validity and stability, The importance of the study come from that it opens the way for researchers to conduct more studies, and suggest recommendations on the phenomenon of adopting mobile banking, and keeping pace with technological developments.

Results have shown that there is a positive relationship between some of motives dimensions such as (ease of use, fast performing, trust and privacy) and the adoption of mobile banking technology, In light of these findings the study has made many recommendations promoting customer adoption of mobile banking technology including: Awareness of mobile banking service should be published among customers to increase adoption of mobile banking, through guiding enlightening and marketing communications, also through organizing continuous training courses for bank's customers.

moreover banks should keep pace with the technological development in banking field as a new requirement of globalization era, Banks should adopt effective scientific programs to improve the quality of provided banking services to customers, to strengthen their perception about the quality of provided to banking service and to achieve their satisfaction with phone banking service, - It should be focused on provision of some basic elements including ease of use and fast performing service, trust and the privacy, which study showed that it is importance for adopting, and for benefits represented in customer acquisition and retention.

Beside that the study suggest a recommendations for future research