How to cite this paper
Alqudah, O., Jarah, B., Alshehadeh, A., Almatarneh, Z., Soda, M & Al-Khawaja, H. (2023). Data processing related to the impact of performance expectation, effort expectation, and perceived usefulness on the use of electronic banking services for customers of Jordanian banks.International Journal of Data and Network Science, 7(2), 657-666.
Refrences
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2018). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99-110.
Albort-Morant, G., Sanchís-Pedregosa, C., & Paredes Paredes, J. R. (2022). Online banking adoption in Spanish cities and towns. Finding differences through TAM application. Economic Research-Ekonomska Istraživanja, 35(1), 854-872.
Alduais, F., & Al-Smadi, M. O. (2022). Intention to Use E-Payments from the Perspective of the Unified Theory of Ac-ceptance and Use of Technology (UTAUT): Evidence from Yemen. Economies, 10(10), 259.
Al-Khawaja, H. A., Yamin, I., & Alshehadeh, A. (2023). The COVID-19 Pandemic’s Effects on Fintech in Banking Sector. Review of Economics and Finance, 21(1).
Alkhowaiter, W. A. (2022). Use and behavioural intention of m-payment in GCC countries: Extending meta-UTAUT with trust and Islamic religiosity. Journal of Innovation & Knowledge, 7(4), 100240.
Almatarneh, Z., Ineizeh, N., Jarah, B., & Al-Zaqeba, M. (2022). The relationship between corporate social responsibility accounting and supply chain management. Uncertain Supply Chain Management, 10(4), 1421-1426.
Alshehadeh, A. R., & Al-Khawaja, H. A. (2022). Financial Technology as a Basis for Financial Inclusion and its Impact on Profitability: Evidence from Commercial Banks. International Journal of Advance Soft Computing Applications, 14(2).
Alsmadi, A., Alfityani, A., Alhwamdeh, L., Al_hazimeh, A., & Al-Gasawneh, J. (2022). Intentions to use FinTech in the Jordanian banking industry. International Journal of Data and Network Science, 6(4), 1351-1358.
Al-Zaqeba, M., Jarah, B., Al-Bazaiah, S., Malahim, S., Hamour, A., Alshehadeh, A., ... & Al-Khawaja, H. (2022). The ef-fect of reverse factoring financial changes on supply chain. Uncertain Supply Chain Management, 10(4), 1331-1338.
Bartlet, M. (1954). A note on multiplying factors for various chi-squared approximations. Journal of the Royal Statistical Society, 16, 296–298.
Chen, C. J., Tsai, P. H., & Tang, J. W. (2022). How informational-based readiness and social influence affect usage inten-tions of self-service stores through different routes: an elaboration likelihood model perspective. Asia Pacific Business Review, 28(3), 380-409.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003.
Farzin, M., Sadeghi, M., Kharkeshi, F. Y., Ruholahpur, H., & Fattahi, M. (2021). Extending UTAUT2 in M-banking adop-tion and actual use behavior: Does WOM communication matter?. Asian Journal of Economics and Banking, 5(2), 136-157.
Fedorko, I., Bačik, R., & Gavurova, B. (2021). Effort expectancy and social influence factors as main determinants of per-formance expectancy using electronic banking. Banks and Bank Systems, 16(2), 27.
Ghani, E. K., Ali, M. M., Musa, M. N. R., & Omonov, A. A. (2022). The Effect of Perceived Usefulness, Reliability, and COVID-19 Pandemic on Digital Banking Effectiveness: Analysis Using Technology Acceptance Model. Sustainability, 14(18), 11248.
Guetz, B., & Bidmon, S. (2022). The Impact of Social Influence on the Intention to Use Physician Rating Websites: Mod-erated Mediation Analysis Using a Mixed Methods Approach. Journal of Medical Internet Research, 24(11), e37505.
Hair, J. F., Anderson, R. E., Babin, B. J., & Black, W. C. (2010). Multivariate Data Analysis: A Global Perspective, vol. 7 Pearson Education. Upper Saddle River, NJ.
Hassan, H., & Farmanesh, P. (2022). Customer adoption of self-service technologies in Jordan: Factors influencing the use of Internet banking, mobile banking, and telebanking. Management Science Letters, 12(3), 193-206.
Ighomereho, S. O., & Sajuyigbe, A. S. (2022). MEDIATING ROLE OF PERCEIVED SERVICE QUALITY BETWEEN BEHAVIOURAL CHARACTERISTICS, SECURITY RISK AND INTERNET BANKING USAGE. Journal of Manage-ment Information & Decision Sciences, 25(4).
Jarah, B. A. F., & AL Jarrah, M. A. A. (2022). THE ROLE OF ACCOUNTING INFORMATION SYSTEMS (AIS) IN IN-CREASING PERFORMANCE EFFICIENCY (IPE) IN JORDANIAN COMPANIES.
Jarah, B. A. F., & Almatarneh, Z. (2021). The effect of the elements of accounting information system (AIS) on organiza-tional culture (OC)-A field study. Academy of Strategic Management Journal, 20, 1-10.
Jarah, B. A. F., & Iskandar, T, B, M., (2019). The mediating effect of acceptance of using AIS on the relationship between the accounting information systems and financial performance in Jordanian companies. International Journal of Re-search and Innovation in Social Science (IJRISS), 3(6), 256-263.
Jarah, B. A. F., AL Jarrah, M. A., Al-Zaqeba, M. A. A., & Al-Jarrah, M. F. M. (2022). The Role of Internal Audit to Re-duce the Effects of Creative Accounting on the Reliability of Financial Statements in the Jordanian Islamic Banks. In-ternational Journal of Financial Studies, 10(3), 60.
Jarah, B. A. F., Zaqeeba, N., Al-Jarrah, M. F. M., Al Badarin, A. M., & Almatarneh, Z. (2023). The Mediating Effect of the Internal Control System on the Relationship between the Accounting Information System and Employee Performance in Jordan Islamic Banks. Economies, 11(3), 77.
Jena, R. K. (2022). Examining the factors affecting the adoption of blockchain technology in the banking sector: An ex-tended UTAUT model. International Journal of Financial Studies, 10(4), 90.
Kabakuş, A. K., & Küçükoǧlu, H. (2022). The effect of trust on mobile banking usage: The mediating roles of perceived usefulness and perceived ease of use. Ekonomski Vjesnik, 35(2), 231-246.
Kaiser, H. F. (1958). The varimax criterion for analytic rotation in factor analysis. Psychometrika, 23(3), 187–200.
Kaur, S., & Arora, S. (2022). Understanding customers’ usage behavior towards online banking services: An integrated risk–benefit framework. Journal of Financial Services Marketing, 1-25.
Kumar, M. S., & Krishnan, D. S. G. (2020). Perceived Usefulness (PU), Perceived Ease of Use (PEOU), and Behavioural Intension to Use (BIU): Mediating effect of Attitude toward Use (AU) with reference to Mobile wallet Acceptance and Adoption in Rural India.
Kusumawati, N., & Rinaldi, A. A. (2020). Trust Role in Acceptance of Digital Banking in Indonesia. International Journal of Trade, Economics and Finance, 11(1), 13-18.
Lloret, S., Ferreres, A., Hernández, A., & Tomás, I. (2017). The exploratory factor analysis of items: guided analysis based on empirical data and software. Anales de psicología, 33(2), 417-432.
Londa, D. R., Worang, F. G., & Arie, F. V. (2022). The Influence of Perceived Credibility, Perceived Ease of Use, and Per-ceived Usefulness toward Customer Satisfaction in Using BSGtouch. Jurnal EMBA: Jurnal Riset Ekonomi, Mana-jemen, Bisnis dan Akuntansi, 10(4), 934-945.
Ly, B., & Ly, R. (2022). Internet banking adoption under Technology Acceptance Model—Evidence from Cambodian us-ers. Computers in Human Behavior Reports, 7, 100224.
Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the Internet banking adoption: A unified theory of ac-ceptance and use of technology and perceived risk application. International journal of information management, 34(1), 1-13.
Moore, G. C., & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research, 2(3), 192–222.
Mulyaningsih, S. (2022). THE EFFECT OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE IN DIGITAL BANKING SERVICES TOWARD CUSTOMER LOYALTY WITH USER’S TRUST AS MEDIATOR (Doctoral disser-tation, UNIVERSITAS BAKRIE).
Musa, K., AlShehadeh, A. R., & Alqerem, R. (2019). The role of data mining techniques in the decision-making process in Jordanian Commercial Banks. In 2019 IEEE Jordan international joint conference on electrical engineering and infor-mation technology (JEEIT) (pp. 726-730). IEEE.
Namahoot, K. S., & Rattanawiboonsom, V. (2022). Integration of TAM Model of Consumers’ Intention to Adopt Crypto-currency Platform in Thailand: The Mediating Role of Attitude and Perceived Risk. Human Behavior and Emerging Technologies, 2022.
Naruetharadhol, P., Ketkaew, C., Hongkanchanapong, N., Thaniswannasri, P., Uengkusolmongkol, T., Prasomthong, S., & Gebsombut, N. (2021). Factors Affecting Sustainable Intention to Use Mobile Banking Services. SAGE Open, 11(3), 21582440211029925.
Pham, A. H. T., Pham, D. X., Thalassinos, E. I., & Le, A. H. (2022). The Application of Sem–Neural Network Method to Determine the Factors Affecting the Intention to Use Online Banking Services in Vietnam. Sustainability, 14(10), 6021.
Rahi, S., Ghani, M., Alnaser, F., & Ngah, A. (2018). Investigating the role of unified theory of acceptance and use of tech-nology (UTAUT) in internet banking adoption context. Management Science Letters, 8(3), 173-186.
Rahi, S., Khan, M. M., & Alghizzawi, M. (2021). Extension of technology continuance theory (TCT) with task technology fit (TTF) in the context of Internet banking user continuance intention. International Journal of Quality & Reliability Management, 38(4), 986-1004.
Rahi, S., Othman Mansour, M. M., Alghizzawi, M., & Alnaser, F. M. (2019). Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411-435.
Rahmatika, D. A., & Soesanto, H. (2022). The effect of service quality, perceived usefulness of mobile banking, and cus-tomer trust during pandemic COVID-19 on customer loyalty through customer satisfaction in the banking sector. Bu-dapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(3), 18556-18573.
Rajasulochana, D., & Murthy, S. (2022). E-Banking And Customers' Satisfaction In Public And Private Sector Banks In Karnataka: An Empirical Analysis. Journal of Positive School Psychology, 6(8), 8270-8279.
Raza, S. A., Umer, A., & Shah, N. (2017). New determinants of ease of use and perceived usefulness for mobile banking adoption. International Journal of Electronic Customer Relationship Management, 11(1), 44-65.
Sakhnini, Z., Elali, W., & Al-Sartawi, A. (2022). Behavioral and non-behavioral factors and the level of adapting and im-plementing fintech and E-banking in Bahrain: suggested model. In Artificial Intelligence for Sustainable Finance and Sustainable Technology: Proceedings of ICGER 2021 1 (pp. 188-193). Springer International Publishing.
Sandhu, S., & Arora, S. (2022). Customers' usage behaviour of e‐banking services: Interplay of electronic banking and traditional banking. International Journal of Finance & Economics, 27(2), 2169-2181.
Sarfaraz, J. (2017). Unified theory of acceptance and use of technology (UTAUT) model-mobile banking. Journal of In-ternet Banking and Commerce, 22(3), 1-20.
Saunders, A., & Jones, R. (2021). Development and validation of the electronic banking services usage scale. Journal of Banking and Technology, 12(3), 1-15.
Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach. John Wiley & Sons.
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of continuance intention to use the smartphone banking services: An extension to the expectation-confirmation model. Industrial Management & Data Systems, 116(3), 508-525.
Syaharani, D. P., & Yasa, N. K. (2022). The Role of Trust as Mediation between Perceived Usefulness and Perceived Ease of Use on Repurchase Intention. European Journal of Development Studies, 2(3), 36-40.
Tahtamouni, A. (2022). E-banking services and the satisfaction of customers in the Jordanian banks. Journal of Science and Technology Policy Management, (ahead-of-print).
Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal computing: Toward a conceptual model of utilization. MIS Quarterly, 15(1), 125–143.
Trivedi, S. K., Patra, P., Srivastava, P. R., Kumar, A., & Ye, F. (2022). Exploring Factors Affecting Users' Behavioral In-tention to Adopt Digital Technologies: The Mediating Effect of Social Influence. IEEE Transactions on Engineering Management.
Usman, O., Monoarfa, T., & Marsofiyati, M. (2020). E-Banking and mobile banking effects on customer satisfaction. Ac-counting, 6(6), 1117-1128.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478.
Wang, M., Cho, S., & Denton, T. (2017). The impact of personalization and compatibility with past experience on e-banking usage. International Journal of Bank Marketing, 5(1), 45-55.
Wardana, A. A., Saputro, E. P., Wahyuddin, M., & Abas, N. I. (2022). The effect of convenience, perceived ease of use, and perceived usefulness on intention to use e-wallet. In International Conference on Economics and Business Studies (ICOEBS 2022) (pp. 386-395). Atlantis Press.
Watson, D., Clark, L. A., Weber, K., Assenheimer, J. S., Strauss, M. E., & McCormick, R. A. (1995). Testing a tripartite model: II. Exploring the symptom structure of anxiety and depression in student, adult, and patient samples. Journal of Abnormal Psychology, 104(1), 15.
Widanengsih, E. (2021). Technology acceptance model to measure customer's interest to use mobile banking. Journal of Industrial Engineering & Management Research, 2(1), 73-82.
Win, N. N., Aung, P. P., & Phyo, M. T. (2021). Factors Influencing Behavioral Intention to Use and Use Behavior of Mo-bile Banking in Myanmar Using a Model Based on Unified Acceptance Theory. Human Behavior, Development & So-ciety, 22(1).
Yaseen, S. G., & El Qirem, I. A. (2018). Intention to use e-banking services in the Jordanian commercial banks. Interna-tional Journal of Bank Marketing, 36(3), 557-571.
Albort-Morant, G., Sanchís-Pedregosa, C., & Paredes Paredes, J. R. (2022). Online banking adoption in Spanish cities and towns. Finding differences through TAM application. Economic Research-Ekonomska Istraživanja, 35(1), 854-872.
Alduais, F., & Al-Smadi, M. O. (2022). Intention to Use E-Payments from the Perspective of the Unified Theory of Ac-ceptance and Use of Technology (UTAUT): Evidence from Yemen. Economies, 10(10), 259.
Al-Khawaja, H. A., Yamin, I., & Alshehadeh, A. (2023). The COVID-19 Pandemic’s Effects on Fintech in Banking Sector. Review of Economics and Finance, 21(1).
Alkhowaiter, W. A. (2022). Use and behavioural intention of m-payment in GCC countries: Extending meta-UTAUT with trust and Islamic religiosity. Journal of Innovation & Knowledge, 7(4), 100240.
Almatarneh, Z., Ineizeh, N., Jarah, B., & Al-Zaqeba, M. (2022). The relationship between corporate social responsibility accounting and supply chain management. Uncertain Supply Chain Management, 10(4), 1421-1426.
Alshehadeh, A. R., & Al-Khawaja, H. A. (2022). Financial Technology as a Basis for Financial Inclusion and its Impact on Profitability: Evidence from Commercial Banks. International Journal of Advance Soft Computing Applications, 14(2).
Alsmadi, A., Alfityani, A., Alhwamdeh, L., Al_hazimeh, A., & Al-Gasawneh, J. (2022). Intentions to use FinTech in the Jordanian banking industry. International Journal of Data and Network Science, 6(4), 1351-1358.
Al-Zaqeba, M., Jarah, B., Al-Bazaiah, S., Malahim, S., Hamour, A., Alshehadeh, A., ... & Al-Khawaja, H. (2022). The ef-fect of reverse factoring financial changes on supply chain. Uncertain Supply Chain Management, 10(4), 1331-1338.
Bartlet, M. (1954). A note on multiplying factors for various chi-squared approximations. Journal of the Royal Statistical Society, 16, 296–298.
Chen, C. J., Tsai, P. H., & Tang, J. W. (2022). How informational-based readiness and social influence affect usage inten-tions of self-service stores through different routes: an elaboration likelihood model perspective. Asia Pacific Business Review, 28(3), 380-409.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003.
Farzin, M., Sadeghi, M., Kharkeshi, F. Y., Ruholahpur, H., & Fattahi, M. (2021). Extending UTAUT2 in M-banking adop-tion and actual use behavior: Does WOM communication matter?. Asian Journal of Economics and Banking, 5(2), 136-157.
Fedorko, I., Bačik, R., & Gavurova, B. (2021). Effort expectancy and social influence factors as main determinants of per-formance expectancy using electronic banking. Banks and Bank Systems, 16(2), 27.
Ghani, E. K., Ali, M. M., Musa, M. N. R., & Omonov, A. A. (2022). The Effect of Perceived Usefulness, Reliability, and COVID-19 Pandemic on Digital Banking Effectiveness: Analysis Using Technology Acceptance Model. Sustainability, 14(18), 11248.
Guetz, B., & Bidmon, S. (2022). The Impact of Social Influence on the Intention to Use Physician Rating Websites: Mod-erated Mediation Analysis Using a Mixed Methods Approach. Journal of Medical Internet Research, 24(11), e37505.
Hair, J. F., Anderson, R. E., Babin, B. J., & Black, W. C. (2010). Multivariate Data Analysis: A Global Perspective, vol. 7 Pearson Education. Upper Saddle River, NJ.
Hassan, H., & Farmanesh, P. (2022). Customer adoption of self-service technologies in Jordan: Factors influencing the use of Internet banking, mobile banking, and telebanking. Management Science Letters, 12(3), 193-206.
Ighomereho, S. O., & Sajuyigbe, A. S. (2022). MEDIATING ROLE OF PERCEIVED SERVICE QUALITY BETWEEN BEHAVIOURAL CHARACTERISTICS, SECURITY RISK AND INTERNET BANKING USAGE. Journal of Manage-ment Information & Decision Sciences, 25(4).
Jarah, B. A. F., & AL Jarrah, M. A. A. (2022). THE ROLE OF ACCOUNTING INFORMATION SYSTEMS (AIS) IN IN-CREASING PERFORMANCE EFFICIENCY (IPE) IN JORDANIAN COMPANIES.
Jarah, B. A. F., & Almatarneh, Z. (2021). The effect of the elements of accounting information system (AIS) on organiza-tional culture (OC)-A field study. Academy of Strategic Management Journal, 20, 1-10.
Jarah, B. A. F., & Iskandar, T, B, M., (2019). The mediating effect of acceptance of using AIS on the relationship between the accounting information systems and financial performance in Jordanian companies. International Journal of Re-search and Innovation in Social Science (IJRISS), 3(6), 256-263.
Jarah, B. A. F., AL Jarrah, M. A., Al-Zaqeba, M. A. A., & Al-Jarrah, M. F. M. (2022). The Role of Internal Audit to Re-duce the Effects of Creative Accounting on the Reliability of Financial Statements in the Jordanian Islamic Banks. In-ternational Journal of Financial Studies, 10(3), 60.
Jarah, B. A. F., Zaqeeba, N., Al-Jarrah, M. F. M., Al Badarin, A. M., & Almatarneh, Z. (2023). The Mediating Effect of the Internal Control System on the Relationship between the Accounting Information System and Employee Performance in Jordan Islamic Banks. Economies, 11(3), 77.
Jena, R. K. (2022). Examining the factors affecting the adoption of blockchain technology in the banking sector: An ex-tended UTAUT model. International Journal of Financial Studies, 10(4), 90.
Kabakuş, A. K., & Küçükoǧlu, H. (2022). The effect of trust on mobile banking usage: The mediating roles of perceived usefulness and perceived ease of use. Ekonomski Vjesnik, 35(2), 231-246.
Kaiser, H. F. (1958). The varimax criterion for analytic rotation in factor analysis. Psychometrika, 23(3), 187–200.
Kaur, S., & Arora, S. (2022). Understanding customers’ usage behavior towards online banking services: An integrated risk–benefit framework. Journal of Financial Services Marketing, 1-25.
Kumar, M. S., & Krishnan, D. S. G. (2020). Perceived Usefulness (PU), Perceived Ease of Use (PEOU), and Behavioural Intension to Use (BIU): Mediating effect of Attitude toward Use (AU) with reference to Mobile wallet Acceptance and Adoption in Rural India.
Kusumawati, N., & Rinaldi, A. A. (2020). Trust Role in Acceptance of Digital Banking in Indonesia. International Journal of Trade, Economics and Finance, 11(1), 13-18.
Lloret, S., Ferreres, A., Hernández, A., & Tomás, I. (2017). The exploratory factor analysis of items: guided analysis based on empirical data and software. Anales de psicología, 33(2), 417-432.
Londa, D. R., Worang, F. G., & Arie, F. V. (2022). The Influence of Perceived Credibility, Perceived Ease of Use, and Per-ceived Usefulness toward Customer Satisfaction in Using BSGtouch. Jurnal EMBA: Jurnal Riset Ekonomi, Mana-jemen, Bisnis dan Akuntansi, 10(4), 934-945.
Ly, B., & Ly, R. (2022). Internet banking adoption under Technology Acceptance Model—Evidence from Cambodian us-ers. Computers in Human Behavior Reports, 7, 100224.
Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the Internet banking adoption: A unified theory of ac-ceptance and use of technology and perceived risk application. International journal of information management, 34(1), 1-13.
Moore, G. C., & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research, 2(3), 192–222.
Mulyaningsih, S. (2022). THE EFFECT OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE IN DIGITAL BANKING SERVICES TOWARD CUSTOMER LOYALTY WITH USER’S TRUST AS MEDIATOR (Doctoral disser-tation, UNIVERSITAS BAKRIE).
Musa, K., AlShehadeh, A. R., & Alqerem, R. (2019). The role of data mining techniques in the decision-making process in Jordanian Commercial Banks. In 2019 IEEE Jordan international joint conference on electrical engineering and infor-mation technology (JEEIT) (pp. 726-730). IEEE.
Namahoot, K. S., & Rattanawiboonsom, V. (2022). Integration of TAM Model of Consumers’ Intention to Adopt Crypto-currency Platform in Thailand: The Mediating Role of Attitude and Perceived Risk. Human Behavior and Emerging Technologies, 2022.
Naruetharadhol, P., Ketkaew, C., Hongkanchanapong, N., Thaniswannasri, P., Uengkusolmongkol, T., Prasomthong, S., & Gebsombut, N. (2021). Factors Affecting Sustainable Intention to Use Mobile Banking Services. SAGE Open, 11(3), 21582440211029925.
Pham, A. H. T., Pham, D. X., Thalassinos, E. I., & Le, A. H. (2022). The Application of Sem–Neural Network Method to Determine the Factors Affecting the Intention to Use Online Banking Services in Vietnam. Sustainability, 14(10), 6021.
Rahi, S., Ghani, M., Alnaser, F., & Ngah, A. (2018). Investigating the role of unified theory of acceptance and use of tech-nology (UTAUT) in internet banking adoption context. Management Science Letters, 8(3), 173-186.
Rahi, S., Khan, M. M., & Alghizzawi, M. (2021). Extension of technology continuance theory (TCT) with task technology fit (TTF) in the context of Internet banking user continuance intention. International Journal of Quality & Reliability Management, 38(4), 986-1004.
Rahi, S., Othman Mansour, M. M., Alghizzawi, M., & Alnaser, F. M. (2019). Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411-435.
Rahmatika, D. A., & Soesanto, H. (2022). The effect of service quality, perceived usefulness of mobile banking, and cus-tomer trust during pandemic COVID-19 on customer loyalty through customer satisfaction in the banking sector. Bu-dapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(3), 18556-18573.
Rajasulochana, D., & Murthy, S. (2022). E-Banking And Customers' Satisfaction In Public And Private Sector Banks In Karnataka: An Empirical Analysis. Journal of Positive School Psychology, 6(8), 8270-8279.
Raza, S. A., Umer, A., & Shah, N. (2017). New determinants of ease of use and perceived usefulness for mobile banking adoption. International Journal of Electronic Customer Relationship Management, 11(1), 44-65.
Sakhnini, Z., Elali, W., & Al-Sartawi, A. (2022). Behavioral and non-behavioral factors and the level of adapting and im-plementing fintech and E-banking in Bahrain: suggested model. In Artificial Intelligence for Sustainable Finance and Sustainable Technology: Proceedings of ICGER 2021 1 (pp. 188-193). Springer International Publishing.
Sandhu, S., & Arora, S. (2022). Customers' usage behaviour of e‐banking services: Interplay of electronic banking and traditional banking. International Journal of Finance & Economics, 27(2), 2169-2181.
Sarfaraz, J. (2017). Unified theory of acceptance and use of technology (UTAUT) model-mobile banking. Journal of In-ternet Banking and Commerce, 22(3), 1-20.
Saunders, A., & Jones, R. (2021). Development and validation of the electronic banking services usage scale. Journal of Banking and Technology, 12(3), 1-15.
Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach. John Wiley & Sons.
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of continuance intention to use the smartphone banking services: An extension to the expectation-confirmation model. Industrial Management & Data Systems, 116(3), 508-525.
Syaharani, D. P., & Yasa, N. K. (2022). The Role of Trust as Mediation between Perceived Usefulness and Perceived Ease of Use on Repurchase Intention. European Journal of Development Studies, 2(3), 36-40.
Tahtamouni, A. (2022). E-banking services and the satisfaction of customers in the Jordanian banks. Journal of Science and Technology Policy Management, (ahead-of-print).
Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal computing: Toward a conceptual model of utilization. MIS Quarterly, 15(1), 125–143.
Trivedi, S. K., Patra, P., Srivastava, P. R., Kumar, A., & Ye, F. (2022). Exploring Factors Affecting Users' Behavioral In-tention to Adopt Digital Technologies: The Mediating Effect of Social Influence. IEEE Transactions on Engineering Management.
Usman, O., Monoarfa, T., & Marsofiyati, M. (2020). E-Banking and mobile banking effects on customer satisfaction. Ac-counting, 6(6), 1117-1128.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478.
Wang, M., Cho, S., & Denton, T. (2017). The impact of personalization and compatibility with past experience on e-banking usage. International Journal of Bank Marketing, 5(1), 45-55.
Wardana, A. A., Saputro, E. P., Wahyuddin, M., & Abas, N. I. (2022). The effect of convenience, perceived ease of use, and perceived usefulness on intention to use e-wallet. In International Conference on Economics and Business Studies (ICOEBS 2022) (pp. 386-395). Atlantis Press.
Watson, D., Clark, L. A., Weber, K., Assenheimer, J. S., Strauss, M. E., & McCormick, R. A. (1995). Testing a tripartite model: II. Exploring the symptom structure of anxiety and depression in student, adult, and patient samples. Journal of Abnormal Psychology, 104(1), 15.
Widanengsih, E. (2021). Technology acceptance model to measure customer's interest to use mobile banking. Journal of Industrial Engineering & Management Research, 2(1), 73-82.
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