Factors Affecting Intentions to Use Banking Services in Yemen
The issue of attracting customers’ usage of banking services has been solved in developed countries, as well as in some Middle East countries. However, in Yemen, it is still unpredictable, where most of people do not use bank services to facilitate their financial needs. Therefore, it has caused a real problem in the Yemeni economy. Consequently, this research targets to close the gap by investigating the factors influencing Yemeni's consumers who possibly differ from consumers in the developed countries in terms of their psychological, cultural and behavior to use the banking system. Data were collected through questionnaires collected from university students and analyzed by SPSS version 17. Proposed hypotheses were statistically tested by means of factor analysis, correlation and regression analysis. This study came out with rich results and highlighted that the relationship between, service quality, banking Legal framework, bank advertisement are significant and positive on behavioral intention except cultural belief where it was significant but played a negative role in using the banking system in Yemen.
Dr. KHALED AL-QASA,DR. FILZAH MD ISA,DR. SITI OTHMAN, PhD