How to cite this paper
Al-Jarrah, M., Badarin, A., Alahmad, S & Tanash, K. (2024). Examining the adoption decision of Islamic electronic banks in Jordan.Decision Science Letters , 13(4), 887-896.
Refrences
Abdou, H., Hadjiantoni, E. and Derwin, G. (2015), E-banking and risk management: evidence from the Cypriot public sector banks, Banks and Bank Systems, 10(3), 18-28.
Abu-Assi, H. A., Al-Dmour, H. H., & Zu'bi, M. F. (2014). Determinants of internet banking adoption in Jordan. International Journal of Business and Management, 9(12), 169-196. doi.org/10.5539/ijbm.v9n12p169
Adams, A. M., Bashiru, M., & Abdulai, I. A. (2016). Customer Satisfaction in the Banking Industry in Ghana: A Case of GCB Bank Limited in Wa Municipality. Journal of Social Science Studies, 3(2), 217. doi.org/10.5296/jsss.v3i2.9528.
Ahmeti, F. and Prenaj, B. (2022). Determinants Affecting Consumer Acceptance and Adoption of Internet Banking in Developing Countries: The Case Study of Kosovo. Economic Studies Journal, 31(6), 60-79.
Al Badarin, A., Al-Jarrah, M., Rababah, A., & ALotoom, A. (2024). Systematic and unsystematic determinants of liquidity risk in the Islamic banks in the middle east. Uncertain Supply Chain Management, 12(3), 1399-1408. doi: 10.5267/j.uscm.2024.4.011.
Aladaileh, R., Almobaideen, H. and Al-smairat, M. (2016), The Factors Affecting the Use of E-banking Services from the Customers' Point of View: A Field Study in the Jordanian Southern Region, Jordan Journal of Business Administration, 12(3), 531-545.
Al-Ajam, A. S., & Nor, K. (2013). Influencing factors on behavioral intention to adopt Internet banking service. World Applied Sciences Journal, 22(11), 1652-1656. doi: 10.5829/idosi.wasj.2013.22.11.2896.
Alghatani, A. (2015). A literature review of the factors affecting service oriented architecture adoption in e-banking. International Journal of Engineering and Innovative Technology, 5(3), 85–93.
Alhassany, H., & Faisal, F. (2018) Factors influencing the internet banking adoption decision in North Cyprus: an evidence from the partial least square approach of the structural equation modeling. Financial Innovation, 4(29). doi.org/10.1186/s40854-018-0111-3.
Alhawamdeh, L., & Bardai, B. (2017), Determinants of The Internet Islamic Banking Services Adoption in Jordan, Journal of Islamic Economics and Business, 2(2), 103–111. doi: 10.24042/febi.v2i2.1878.
Al-Jarrah, M. F., Al Badarin, A. M. and Almohammad, M. Z. (2024). The role of artificial intelligence in developing the accounting system in Jordanian Islamic banks. International Journal of Data and Network Science, 8(4), 2477–2482. doi: 10.5267/j.ijdns.2024.5.010.
Al-Malkawi, H., Mansumitrchai, S., & Al-Habib, M. (2016), Online banking in an emerging market: evidence from Saudi Arabia, International Journal of Electronic Finance, 7(3/4), 1-17. doi.org/10.1504/IJEF.2016.083498.
Al-Mansi, I., & Amany, B. S. (2015). The impact of networking and communications resources to improve the quality of services provided to customers in the Jordanian Insurance Companies. Journal Of Information Engineering And Application, 5(1), 1-7.
Alnemer, H. (2022). Determinants of digital banking adoption in the Kingdom of Saudi Arabia: TAM approach. Digital Business, 2(2), 1-8. doi.org/10.1016/j.digbus.2022.100037.
Alraja, M., Salim, B., Uddin, M., Yousoof, M. (2016), The Adoption of Internet Banking: Clients’ Perspective in Oman, International Review of Management and Marketing, 6(4), 926-929.
Al-Rfou, A. N. (2013). The Usage of Internet Banking Evidence From Jordan. Asian Economic and Financial Review. 3(5). 614-623.
Al-Smadi, M. (2012). Factors Affecting Adoption of Electronic Banking: An Analysis of the Perspectives of Banks' Customers. International Journal of Business and Social Science, 3(17), 294-309.
Al-Smadi, M. O., & Al-Wabel, S. A. (2011). The Impact of E-Banking on The Performance of Jordanian Banks. Journal of Internet Banking and Commerce, 16(2).
Alwan, H. & Al-Zu’bi, A. (2016). Determinants of Internet Banking Adoption among Customers of Commercial Banks: An Empirical Study in the Jordanian Banking Sector. International Journal of Business and Management; 11(3). 95-104. doi.org/10.5539/ijbm.v11n3p95.
Al-Wishah, R., Al-Weshah, G., Abu-Hamour, H. and Alzubi, K. (2022) Service Quality and Customer Loyalty: Evidence from Jordanian Banks, Jordan Journal of Business Administration, 18(4), 457-476. doi.org/10.35516/jjba.v18i4.454-457.
Anouze, A. M. & Alamro, A. S. (2019). Factors affecting intention to use e-banking in Jordan. International Journal of Bank Marketing, 37(5), 86-112. doi.org/10.1108/IJBM-10-2018-0271.
Arora, R. (2022). Perceived Usefulness, Perceived Trust And Ease Of Use In Adoption Of Online Banking Services. Journal of Pharmaceutical Negative Results, 1-7.
Association Banks in Jordan, (2022a). Annual Report, Association Banks in Jordan Publications, Amman.
Association Banks in Jordan, (2023). The most important banking developments until the end of 2023, Association Banks in Jordan Publications, Amman.
Aydogan, S., Van Hove, L. (2017). Determinants of internet banking usage: survey evidence for Belgium. Accountancy & Bedrijfskunde, 2, 19-36.
Bank for international settlement (2003). Basel committee on banking supervision Risk management principles for electronic banking. http://www.bis.org/publ/bcbs98.htm [accessed on 20th May. 2024].
Basias, N., Themistocleous, M., & Morabito, V. (2015). A decision making framework for SOA adoption in e-banking: A case study approach. Journal of Economics Business and Management, 3(1), 48–53. doi:10.7763/ JOEBM.2015.V3.154.
Central Bank of Jordan, (2022), Annual Report, Central Bank of Jordan Publications, Amman.
Dabaghia, M. N. (2021), The Adoption of E-Banking in Jordan and Its Impact on Jordanian Customers, Journal of Legal, Ethical and Regulatory Issues, 24(6), 1-12.
Dash, M., Mohanty, A. K., Pattnaik, S., Mohapatra, R. C., & Sahoo, D. S. (2011). Using the TAM model to explain how attitudes determine adoption of internet banking. European Journal of Economics, Finance and Administrative Sciences, 36(1), 50–59.
Davis Jr, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results, (Doctoral dissertation, Massachusetts Institute of Technology).
Indrasari, A., Nadjmie, N., & Endri, E. (2022). Determinants of satisfaction and loyalty of e-banking users during the COVID-19 pandemic. International Journal of Data and Network Science, 6(2), 497-508. doi: 10.5267/j.ijdns.2021.12.004.
Intana, M., Chansa–ngavej, C., & Changchit, C. (2013). Factors encouraging the internet banking adoption in Thailand. International Journal of Electronic Finance, 7(3-4), 196-212. doi: 10.1504/IJEF.2013.058602.
International Islamic Arab Bank (2022). Annual Report. International Islamic Arab Bank Publications, Amman.
Johar, R., & Suhartanto, D. (2019). The Adoption of Online Internet Banking in Islamic Banking Industry, IOP Conference: Materials Science and Engineering, 662(3), 1-7. doi:10.1088/1757-899X/662/3/032032.
Jordan Islamic Bank (2022). Annual Report. Jordan Islamic Bank Publications, Amman.
Jordan Kuwait Bank (2020). Annual Report. Jordan Kuwait Bank Publications, Amman.
Karjaluoto, H., Glavee-Geo, R., Ramdhony, D., Shaikh, A. A., & Hurpaul, A. (2021). Consumption values and mobile banking services: Understanding the urban–rural dichotomy in a developing economy. International Journal of Bank Marketing, 39(2), 272–293. doi.org/10.1108/IJBM-03-2020-0129.
Kose, A. (2009). Determination of reasons affecting the use of internet banking through logistic regression analysis. Journal of Global Strategic Management, 6, 1-10.
Malhotra, P., & Singh, B. (2007). Determinants of internet banking adoption by banks in India. Internet Research, 17(3), 323-339. doi.org/10.1108/10662240710758957.
Mansour, I. H. F., Eljelly, A. M., & Abdullah, A. M. (2016). Consumers’ attitude towards e-banking services in Islamic banks: the case of Sudan. Review of International Business and Strategy, 26(2), 244-260. doi.org/10.1108/RIBS-02-2014-0024.
Mehmood, N., Shah, F., Azhar, M., & Rasheed, A. (2014). The factors effecting e-banking usage in Pakistan. Journal of Management Information System and E-commerce, 1(1), 57-94.
Mindra, R., Bananuka, J., Kaawaase, T., Namaganda, R., & Teko, J. (2022). Attitude and Islamic banking adoption: moderating effects of pricing of conventional bank products and social influence. Journal of Islamic Accounting and Business Research, 13(3), 534-567. doi:10.1108/JIABR-02-2021-0068.
Mohd Thas Thaker, M. A. B., Amin, M. F. B., Mohd Thas Thaker, H. B., & Allah Pitchay, A. B. (2019). What keeps Islamic mobile banking customers loyal?. Journal of Islamic Marketing, 10(2), 525-542. doi.org/10.1108/JIMA-08-2017-0090.
Pennathur, A. (2001). “Clicks and bricks”, e-Risk Management for banks in the age of the Internet, Science Direct, 25(11), pp. 2103-2123. doi.org/10.1016/S0378-4266(01)00197-2.
Rawwash, H., Masad, F., Enaizan, O., Eneizan, B., Adaileh, M., Saleh, A., & Almestarihi, R. (2020). Factors affecting Jordanian electronic banking services. Management Science Letters, 10(4), 915-922. doi: 10.5267/j.msl.2019.10.004.
Raza, S. A., & Hanif, N. (2013). Factors affecting internet banking adoption among internal and external customers: a case of Pakistan. International Journal of Electronic Finance, 7(1), 82-96. doi: 10.1504/IJEF.2013.051746.
Riza, A. F., & Hafizi, M. R. (2020). Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM. Asian Journal of Islamic Management, 1(2), 75-84. doi.org/10.20885/ajim.vol1.iss2.art1.
Safwa Islamic Bank (2022). Annual Report. Safwa Islamic Bank Publications, Amman.
Saidi, N. A., Azib, N. A., Amran, N. A., Sulham, N. E. S., Anuar, N. F. F., & Saidi, N. (2016). Determinants for adoption of e-banking among bank’s customers. International Journal of Accounting, Finance and Business, 1(2), 37-44.
Saif, M. A., Hussin, N., Husin, M. M., Alwadain, A., & Chakraborty, A. (2022). Determinants of the intention to adopt digital-only banks in Malaysia: The extension of environmental concern. Sustainability, 14(17), 11043. doi.org/10.3390/ su141711043.
Siadat, S. H., Shokohyar, S., & Shafahi, S. (2019). SOA adoption factors in e-banking: An empirical analysis from the practical perspective. International Journal of Information Systems in the Service Sector (IJISSS), 11(1), 25-39. doi: 10.4018/IJISSS.2019010102.
Siam, A. Z. (2006). Role of the electronic banking services on the profits of Jordanian banks. American Journal of Applied Sciences, 3(9), 1999-2004. doi.org/10.3844/ajassp.2006.1999.2004.
Singh, R.K., & Agnihotri, A. (2015). E-banking strategies and consumers’ perception towards accepting internet banking: a secondary approach, Innovative journal of business and management, 4(4), 68-76. doi:10.15520/ijbm.vol4.iss4.28.
Siraye, Z. (2014), Customers’ adoption of electronic banking service channels in Ethiopia: an integration of technology acceptance model and perceived risk with theory of planned behavior, International Journal of Electronic Finance, 8(1), 21-34. doi: 10.1504/IJEF.2014.063993.
The Global Findex Database (2017). Measuring Financial Inclusion and the Fintech Revolution. https://microdata.worldbank.org/index.php/catalog/3324.
Yee, B. Y., & Faziharudean, T. M. (2010). Factors affecting customer loyalty of using Internet banking in Malaysia. Journal of Electronic Banking Systems, 21, 2010.doi: 10.5171/2010.592297.
Abu-Assi, H. A., Al-Dmour, H. H., & Zu'bi, M. F. (2014). Determinants of internet banking adoption in Jordan. International Journal of Business and Management, 9(12), 169-196. doi.org/10.5539/ijbm.v9n12p169
Adams, A. M., Bashiru, M., & Abdulai, I. A. (2016). Customer Satisfaction in the Banking Industry in Ghana: A Case of GCB Bank Limited in Wa Municipality. Journal of Social Science Studies, 3(2), 217. doi.org/10.5296/jsss.v3i2.9528.
Ahmeti, F. and Prenaj, B. (2022). Determinants Affecting Consumer Acceptance and Adoption of Internet Banking in Developing Countries: The Case Study of Kosovo. Economic Studies Journal, 31(6), 60-79.
Al Badarin, A., Al-Jarrah, M., Rababah, A., & ALotoom, A. (2024). Systematic and unsystematic determinants of liquidity risk in the Islamic banks in the middle east. Uncertain Supply Chain Management, 12(3), 1399-1408. doi: 10.5267/j.uscm.2024.4.011.
Aladaileh, R., Almobaideen, H. and Al-smairat, M. (2016), The Factors Affecting the Use of E-banking Services from the Customers' Point of View: A Field Study in the Jordanian Southern Region, Jordan Journal of Business Administration, 12(3), 531-545.
Al-Ajam, A. S., & Nor, K. (2013). Influencing factors on behavioral intention to adopt Internet banking service. World Applied Sciences Journal, 22(11), 1652-1656. doi: 10.5829/idosi.wasj.2013.22.11.2896.
Alghatani, A. (2015). A literature review of the factors affecting service oriented architecture adoption in e-banking. International Journal of Engineering and Innovative Technology, 5(3), 85–93.
Alhassany, H., & Faisal, F. (2018) Factors influencing the internet banking adoption decision in North Cyprus: an evidence from the partial least square approach of the structural equation modeling. Financial Innovation, 4(29). doi.org/10.1186/s40854-018-0111-3.
Alhawamdeh, L., & Bardai, B. (2017), Determinants of The Internet Islamic Banking Services Adoption in Jordan, Journal of Islamic Economics and Business, 2(2), 103–111. doi: 10.24042/febi.v2i2.1878.
Al-Jarrah, M. F., Al Badarin, A. M. and Almohammad, M. Z. (2024). The role of artificial intelligence in developing the accounting system in Jordanian Islamic banks. International Journal of Data and Network Science, 8(4), 2477–2482. doi: 10.5267/j.ijdns.2024.5.010.
Al-Malkawi, H., Mansumitrchai, S., & Al-Habib, M. (2016), Online banking in an emerging market: evidence from Saudi Arabia, International Journal of Electronic Finance, 7(3/4), 1-17. doi.org/10.1504/IJEF.2016.083498.
Al-Mansi, I., & Amany, B. S. (2015). The impact of networking and communications resources to improve the quality of services provided to customers in the Jordanian Insurance Companies. Journal Of Information Engineering And Application, 5(1), 1-7.
Alnemer, H. (2022). Determinants of digital banking adoption in the Kingdom of Saudi Arabia: TAM approach. Digital Business, 2(2), 1-8. doi.org/10.1016/j.digbus.2022.100037.
Alraja, M., Salim, B., Uddin, M., Yousoof, M. (2016), The Adoption of Internet Banking: Clients’ Perspective in Oman, International Review of Management and Marketing, 6(4), 926-929.
Al-Rfou, A. N. (2013). The Usage of Internet Banking Evidence From Jordan. Asian Economic and Financial Review. 3(5). 614-623.
Al-Smadi, M. (2012). Factors Affecting Adoption of Electronic Banking: An Analysis of the Perspectives of Banks' Customers. International Journal of Business and Social Science, 3(17), 294-309.
Al-Smadi, M. O., & Al-Wabel, S. A. (2011). The Impact of E-Banking on The Performance of Jordanian Banks. Journal of Internet Banking and Commerce, 16(2).
Alwan, H. & Al-Zu’bi, A. (2016). Determinants of Internet Banking Adoption among Customers of Commercial Banks: An Empirical Study in the Jordanian Banking Sector. International Journal of Business and Management; 11(3). 95-104. doi.org/10.5539/ijbm.v11n3p95.
Al-Wishah, R., Al-Weshah, G., Abu-Hamour, H. and Alzubi, K. (2022) Service Quality and Customer Loyalty: Evidence from Jordanian Banks, Jordan Journal of Business Administration, 18(4), 457-476. doi.org/10.35516/jjba.v18i4.454-457.
Anouze, A. M. & Alamro, A. S. (2019). Factors affecting intention to use e-banking in Jordan. International Journal of Bank Marketing, 37(5), 86-112. doi.org/10.1108/IJBM-10-2018-0271.
Arora, R. (2022). Perceived Usefulness, Perceived Trust And Ease Of Use In Adoption Of Online Banking Services. Journal of Pharmaceutical Negative Results, 1-7.
Association Banks in Jordan, (2022a). Annual Report, Association Banks in Jordan Publications, Amman.
Association Banks in Jordan, (2023). The most important banking developments until the end of 2023, Association Banks in Jordan Publications, Amman.
Aydogan, S., Van Hove, L. (2017). Determinants of internet banking usage: survey evidence for Belgium. Accountancy & Bedrijfskunde, 2, 19-36.
Bank for international settlement (2003). Basel committee on banking supervision Risk management principles for electronic banking. http://www.bis.org/publ/bcbs98.htm [accessed on 20th May. 2024].
Basias, N., Themistocleous, M., & Morabito, V. (2015). A decision making framework for SOA adoption in e-banking: A case study approach. Journal of Economics Business and Management, 3(1), 48–53. doi:10.7763/ JOEBM.2015.V3.154.
Central Bank of Jordan, (2022), Annual Report, Central Bank of Jordan Publications, Amman.
Dabaghia, M. N. (2021), The Adoption of E-Banking in Jordan and Its Impact on Jordanian Customers, Journal of Legal, Ethical and Regulatory Issues, 24(6), 1-12.
Dash, M., Mohanty, A. K., Pattnaik, S., Mohapatra, R. C., & Sahoo, D. S. (2011). Using the TAM model to explain how attitudes determine adoption of internet banking. European Journal of Economics, Finance and Administrative Sciences, 36(1), 50–59.
Davis Jr, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results, (Doctoral dissertation, Massachusetts Institute of Technology).
Indrasari, A., Nadjmie, N., & Endri, E. (2022). Determinants of satisfaction and loyalty of e-banking users during the COVID-19 pandemic. International Journal of Data and Network Science, 6(2), 497-508. doi: 10.5267/j.ijdns.2021.12.004.
Intana, M., Chansa–ngavej, C., & Changchit, C. (2013). Factors encouraging the internet banking adoption in Thailand. International Journal of Electronic Finance, 7(3-4), 196-212. doi: 10.1504/IJEF.2013.058602.
International Islamic Arab Bank (2022). Annual Report. International Islamic Arab Bank Publications, Amman.
Johar, R., & Suhartanto, D. (2019). The Adoption of Online Internet Banking in Islamic Banking Industry, IOP Conference: Materials Science and Engineering, 662(3), 1-7. doi:10.1088/1757-899X/662/3/032032.
Jordan Islamic Bank (2022). Annual Report. Jordan Islamic Bank Publications, Amman.
Jordan Kuwait Bank (2020). Annual Report. Jordan Kuwait Bank Publications, Amman.
Karjaluoto, H., Glavee-Geo, R., Ramdhony, D., Shaikh, A. A., & Hurpaul, A. (2021). Consumption values and mobile banking services: Understanding the urban–rural dichotomy in a developing economy. International Journal of Bank Marketing, 39(2), 272–293. doi.org/10.1108/IJBM-03-2020-0129.
Kose, A. (2009). Determination of reasons affecting the use of internet banking through logistic regression analysis. Journal of Global Strategic Management, 6, 1-10.
Malhotra, P., & Singh, B. (2007). Determinants of internet banking adoption by banks in India. Internet Research, 17(3), 323-339. doi.org/10.1108/10662240710758957.
Mansour, I. H. F., Eljelly, A. M., & Abdullah, A. M. (2016). Consumers’ attitude towards e-banking services in Islamic banks: the case of Sudan. Review of International Business and Strategy, 26(2), 244-260. doi.org/10.1108/RIBS-02-2014-0024.
Mehmood, N., Shah, F., Azhar, M., & Rasheed, A. (2014). The factors effecting e-banking usage in Pakistan. Journal of Management Information System and E-commerce, 1(1), 57-94.
Mindra, R., Bananuka, J., Kaawaase, T., Namaganda, R., & Teko, J. (2022). Attitude and Islamic banking adoption: moderating effects of pricing of conventional bank products and social influence. Journal of Islamic Accounting and Business Research, 13(3), 534-567. doi:10.1108/JIABR-02-2021-0068.
Mohd Thas Thaker, M. A. B., Amin, M. F. B., Mohd Thas Thaker, H. B., & Allah Pitchay, A. B. (2019). What keeps Islamic mobile banking customers loyal?. Journal of Islamic Marketing, 10(2), 525-542. doi.org/10.1108/JIMA-08-2017-0090.
Pennathur, A. (2001). “Clicks and bricks”, e-Risk Management for banks in the age of the Internet, Science Direct, 25(11), pp. 2103-2123. doi.org/10.1016/S0378-4266(01)00197-2.
Rawwash, H., Masad, F., Enaizan, O., Eneizan, B., Adaileh, M., Saleh, A., & Almestarihi, R. (2020). Factors affecting Jordanian electronic banking services. Management Science Letters, 10(4), 915-922. doi: 10.5267/j.msl.2019.10.004.
Raza, S. A., & Hanif, N. (2013). Factors affecting internet banking adoption among internal and external customers: a case of Pakistan. International Journal of Electronic Finance, 7(1), 82-96. doi: 10.1504/IJEF.2013.051746.
Riza, A. F., & Hafizi, M. R. (2020). Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM. Asian Journal of Islamic Management, 1(2), 75-84. doi.org/10.20885/ajim.vol1.iss2.art1.
Safwa Islamic Bank (2022). Annual Report. Safwa Islamic Bank Publications, Amman.
Saidi, N. A., Azib, N. A., Amran, N. A., Sulham, N. E. S., Anuar, N. F. F., & Saidi, N. (2016). Determinants for adoption of e-banking among bank’s customers. International Journal of Accounting, Finance and Business, 1(2), 37-44.
Saif, M. A., Hussin, N., Husin, M. M., Alwadain, A., & Chakraborty, A. (2022). Determinants of the intention to adopt digital-only banks in Malaysia: The extension of environmental concern. Sustainability, 14(17), 11043. doi.org/10.3390/ su141711043.
Siadat, S. H., Shokohyar, S., & Shafahi, S. (2019). SOA adoption factors in e-banking: An empirical analysis from the practical perspective. International Journal of Information Systems in the Service Sector (IJISSS), 11(1), 25-39. doi: 10.4018/IJISSS.2019010102.
Siam, A. Z. (2006). Role of the electronic banking services on the profits of Jordanian banks. American Journal of Applied Sciences, 3(9), 1999-2004. doi.org/10.3844/ajassp.2006.1999.2004.
Singh, R.K., & Agnihotri, A. (2015). E-banking strategies and consumers’ perception towards accepting internet banking: a secondary approach, Innovative journal of business and management, 4(4), 68-76. doi:10.15520/ijbm.vol4.iss4.28.
Siraye, Z. (2014), Customers’ adoption of electronic banking service channels in Ethiopia: an integration of technology acceptance model and perceived risk with theory of planned behavior, International Journal of Electronic Finance, 8(1), 21-34. doi: 10.1504/IJEF.2014.063993.
The Global Findex Database (2017). Measuring Financial Inclusion and the Fintech Revolution. https://microdata.worldbank.org/index.php/catalog/3324.
Yee, B. Y., & Faziharudean, T. M. (2010). Factors affecting customer loyalty of using Internet banking in Malaysia. Journal of Electronic Banking Systems, 21, 2010.doi: 10.5171/2010.592297.