International Business Research   Vol 9, No 3 (2016)

Factors that Affect Commercial Banks Customers Intention towards Electronic Payment Services in Jordan

Malek Mohammad AL-Majali, Amin Ayed Bashabsheh


This study aims to identify the factors influencing commercial banks customers intention toward electronic payment services in Jordan (AL-Karak) province. To achieve the aim of the study, a questionnaire has been developed to explore the effect of the independent variables (relative advantages, simplicity, security, consciousness and self efficacy) on the dependent variable (banks customers intention toward E-payment services). Six hundred  questioners had distributed and 543 were returned to be valid for the final analysis with response rate of 90.5% . SPSS v 18 was used to test the reliability and composite reliability, normal distribution and correlation between the study variables. Also, Amos v 8 software has been used to examine the study hypotheses. Results of this study indicates an acceptance to four hypotheses related to influence of security, self efficacy, consciousness and simplicity continually. We reject one hypotheses related to relative advantages on banks customers toward E-payment services adoption. Finally, set of recommendations had been present throughout the study.