تقويم تجربة تطبيق الخدمات المصرفية الإلكترونية بواسطة المصارف التجارية العاملة في السودان باستخدام النظرية الموحدة لقبول و استخدام التقنية

الملخص EN

The research aimed at evaluating the adoption of electronic banking services by Sudanese banks using the unified theory for accepting and using technology.

This study added the quality of service factor as one of the variables that affect the adoption of electronic banking services, replacing other factors such as expected performance, expected effort, and soft conditions referred to by the unified theory for accepting and using technology.

Furthermore, the propagation and price factors had been added since they affect the adoption of electronic banking services.

The research adopted the descriptive analytical method using the questionnaire tool to collect the primary data from a sample that consists of some Sudanese banks customers in order to identify the impact of the variables that included in the study model in the adoption of electronic banking services.

The study most important findings include: the quality of service, price, and propagation besides other variables that included in the unified theory for accepting and using technology affect the desire of customers for using electronic banking services in Sudan.

Also, the use of channels that offer electronic banking services has showed an increasing trend, which indicates the rise in the usage of electronic banking services in Sudan.

The study calls for the banks to give more attention to the basic requirements for adopting electronic banking services, which may lead to a wider adoption and application of these services in Sudan.