An investigation into the acceptance of online banking in Saudi Arabia

Sabah A. Al-Somali, Roya Gholami, Ben Clegg

Research output: Contribution to journalArticlepeer-review


Although a regional leader, Internet banking in Saudi Arabia is yet to be fully utilised as a value-adding tool to improve customer relationships and achieve cost advantages. The aim of this study was to identify the factors that encourage customers to adopt online banking in Saudi Arabia. The research constructs were developed based on the technology acceptance model (TAM) and incorporated some extra important control variables. The model was empirically verified to examine the factors influencing the online banking adoption behaviour of 400 customers. The findings of the study suggests that the quality of the Internet connection, the awareness of online banking and its benefits, the social influence and computer self-efficacy have significant effects on the perceived usefulness (PU) and perceived ease of use (PEOU) of online banking acceptance. Education, trust and resistance to change also have significant impact on the attitude towards the likelihood of adopting online banking. The implications of the findings are discussed and suggestions for future research are presented.
Original languageEnglish
Pages (from-to)130-141
Number of pages12
Issue number2
Publication statusPublished - Feb 2009


  • online banking
  • technology acceptance model
  • Saudi Arabia
  • developing countries


Dive into the research topics of 'An investigation into the acceptance of online banking in Saudi Arabia'. Together they form a unique fingerprint.

Cite this