In order to investigate and determine the effects of the proposed dimensions on the behavioral intention to adopt internet-banking services, the researcher will examine the following hypotheses:
The perceived usefulness
The perceived usefulness factor refers to the users’ beliefs that adopting internet services would help them improving their productivity and their performance efficiency as well. Thus If they believe that they would benefit from using internet banking, the more likely it would positively affect their intentions to use it (Chuttur, M. Y., 2009).
Hypothesis one: The perceived usefulness factor is positively associated with the customers’ intention to adopt the internet banking services.
The perceived ease of use
The perceived ease of use factor refers to the users’ perspectives and their evaluations of the internet banking usage difficulty, that would affect their intention to adopt such services, so as far as these services are easy to use and do not cause any confusion, it could encourage customer to adopt these type of services (Chuttur, M. Y., 2009).
Hypothesis two: The perceived ease of use factor is positively associated with the customers’ intention to adopt the internet banking services.
The perceived ease of use factor would also indirectly influence the students’ intention to use internet banking services, considering that students would value the beneficial outcomes from using the internet banking if it is easy to handle and does not require much effort to use it (Chuttur, M. Y., 2009).
Hypothesis three: The perceived ease of use factor indirectly influences the customers’ intention to use internet banking through the perceived usefulness factor.
Subjective norm
The subjective norm factor refers to the social environment effects on the customers’ intentions to use internet banking, since the surrounding people’s beliefs and thoughts about this type of services would motivate the customer to use it, as well it could influence the customers’ perspectives about how it would be useful if they used these services (Willis, T. J., 2008).
Hypothesis four: The subjective norm factor is positively associated with the customers’ intention to adopt the internet banking services.
Hypothesis five: The subjective norm factor indirectly influences the customers’ intention to use internet banking through the perceived usefulness factor.
The perceived risk
The perceived risk refers to the uncertainty degree that relates to the unfavorable consequences of using the internet banking, the most concerned issues that could negatively influence the customers’ decisions to adopt internet banking services are; the security and privacy issues and the potential financial losses and the ability to correct the occurring mistakes (Kesharwani, A., & Singh Bisht, S., 2012).
Hypothesis six: The perceived risk factor is negatively associated with the customers’ intention to adopt the internet banking services.
The personal innovativeness
The personal innovativeness factor refers to the individual’s readiness to experience a new innovation, according to the personal innovativeness the individuals in one society can be classified into five categories the innovators and the early adopters individuals,these two categories are the Pioneers in adopting any new innovation, then they are followed by those individuals in the early majority and late majority categories, while the individuals in the laggards category are the latest adopters (Rogers, E.M., 2003).
Hypothesis seven: The personal innovativeness factor is positively associated with the customers’ intention to adopt the internet banking services.