Research Article Open Access

The Mediating Role of Awareness in the Intention to Use Internet Banking Among SMES in YEMEN

Abstract

This study examines the direct empirical relationship between independent variables (technology, perceived usefulness, and perceived ease of use) and intention to use internet banking (IB) among 200 SMEs owners in Yemen. Moreover, the research identifies the significance of intention to use IB as a plausible mediator in the relationship between independent variable (technology, perceived usefulness, and perceived ease of use) and intention to use IB - intention to use internet-banking rates. The analyses of the gathered data employed the Partial Least Squares Structural Equation Modeling (PLS-SEM).The results show that technology and perceived ease of use and perceived usefulness positively influences intention to use, Moreover, awareness was found to be significant mediating factors in the relationship among technology and perceived ease of use, and intention to use IB among SMEs’ owners. Awareness was a negative mediating factor in the relationship between technology and perceived ease of use among SMEs’ owners. The relationship between awareness, (technology, perceived usefulness, perceived ease of use), and intention to use IB play a particularly important role in developing IB among SME in Yemen. Based on research findings, theoretical and practical implications were discussed. Limitations and recommendations for future research were also highlighted.

Mohammad Mohammad Alzubi, Mazen Mohammed Farea, Maged Mustafa Al-Dubai

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