How to cite this paper
Ahmadi, A & Afrouzi, M. (2012). An empirical analysis on the adoption of electronic banking in the financial institutes using structural, behavioral and contextual factors.Management Science Letters , 2(5), 1669-1682.
Refrences
Agarwal, R., Rastogi, S., & Mehrotra, A. (2009). Customers’ perspectives regarding e- banking in an emerging economy. Journal of Retailing and Consumer Services, 16, 340-351.
Almogbil, A. (2005). Security, perceptions, and practices: challenges facing adoption of online banking in Saudi. Unpublished Ph.D. Thesis, George Washington University, Washington.
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. In J. Kuhl, & J. Beckmann (Eds.), Springer series in social psychology (pp. 11-39). Berlin: Springer.
Aladwani A.M. (2001). Online banking: A contextual study of drivers, development challenges and ex-pectations. International Journal of Information Managements, 21(3), 213-225.
Arndt, J. (1967). Role of product- related conversation in the diffusion of a new product. Journal of Marketing Research. 4. 291-295.
BankData(2004). Bilanbanques. Beirut, Lebanon.
Bauer, R.A. (1960). Consumer Behaviour as Risk Taking. In R.S. Hancock (ed), Dynamic Marketing for a Changing World. Chicago. American Market ing Association.
Bergeron, J. (2001). Les facteurs qui influencent la fidelite des clients qui achetcnt sur Internet [The factors influencing the loyalty of online purchasers). Recherche et Applications en Marketing, 16(3), 39-53.
Bhimani. A. (1996). Securing the commercial Inter net. Communications of the ACM. 39 (6). 29-35.
Bradley, L. & Stewart K. (2002). A Delphi study of drivers and inhibitors of internet banking. International Journal of Bank Marketing, 20(6), 250-260.
Bughin, J. (2003). The diffusion of Internet bank ing in western Europe. Electronic Markets. 13(3). 251-258.
Calof, J. L. & Beamish P.W. (1995). Adapting to foreign markets: Explaining internationalization. International Business Review. 4(2). 15-31
Christensen, C.M. & Raynor MJE. (2003). Innovator & apos; s Solution: creating and sustaining successful growth. Harvard Business School Press, pp. 303.
Churchill. G.A. (1979). A paradigm for developing better measures of marketing constructs. Journal of Marketing Research, 16. 64-73.
Cho, K.R. & Padmanabhan, P. (1995). Acquisition versus new venture: The choice of foreign establish-ment mode by Japanese firms. Journal of Interna tional Management, 1(3). 255-85.
Cockburn. C. & Wilson. T.D. (1996). Business Use of the World-Wide Web. International Journal of Information Management, 16(2). 83-102.
Cooper R. B. & Zmud, R. W. (1990). Information technology implementation research: a technological diffusion approach. Management Science, 36(2), 123-139.
Cox. D.F. (1967). Risk taking and information han dling in consumer behaviour. Harvard University press.
Cyr, D., Bonanni, C., Bowes, J., & Ilsever, J. (2005). Beyond Trust: Website Design Preferences Across Cultures. Journal of Global Information Management, 13(4), 24-52.
Cronbach, L. J. (1951). Coefficient alpha and the internal structure of tests. Psychometrika, 16(3), 297-334.
Dabholkar, P.A. (1996). Consumer evaluations of new technology- based self service options: an in-vestigation of alternative models of service quality. International Journal of Research in Marketing, 13, 29-51.
Daniel. E. (1999), Provision of electronic banking in the UK and the Republic of Ireland. International Journal of Bank Marketing. 17(2), 72-82.
Deisc, M. V., Nowikow, C, King. P. & Wright, A. (2000). Executive s Guide to E-business: From Tactics to Strategy. Price water house coopers L.L.P., 272.
Damanpour. F. (1987). The adoption of technological, administrative, and ancillary innovations: Impact of organizational factors. Journal of Management, 13, 675-688.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use. and user acceptance of computer technol ogy. MIS Quarterly, 13(3), 319-340.
Dicherson M. D. & Gentry J. W. (1983). Cha racteristics of adopters and non-adopters of home computers. Journal of Consumer Research, 10(2), 225-235.
Ernst and Young (2001). Global Online Retailing. An Ernst and Young Special Report, pp.142.
Fishbein, M. & Ajzen. I. (1973). Belief. Attitude, intention, and Behavior: An Introduction to Theory and Research. Addison-Wesley. Reading. MA.
Furst. K.. Lang., W.W., & Nolle. D.E. (2002). Internet Banking. Journal of Financial Services Research, 22(1,2), 95-117.
Gatignon, H. & Robertson, T. S. (1985). A proposal inventory for new diffusion research. Journal of Consumer Research, 1, 249-267.
Gauvin. S. & Sinha. R. (1991). Innovativeness In industrial Organisations: A two-Stage Model of Adoption. Working paper. University of Laval. Canada.
Gourville, J.T. (2003). Why consumers don & apos; t buy: the psychology of new product adoption. Harvard Business School Publishing.
Hartwick, J., & Barki, H. (1994). Explaining the role of user participation in information system use. Management Science, 40 (A), 440-465
Hernandez, J.M.C. & Mazzon J. A. (2007). Adoption of Internet banking: proposition and implementation ofan integrated methodology approach. International Journal of Bank Marketing. 25(2), 72-88.
Ilirchman, E. C. (1980). Innovativeness, Novelty Seeking and consumer creativity. Journal of Con sumer Research, 7. 283-295.
Im, I., Kim, Y., Han, H. J. (2008). The effects of perceived risk and technology type on users’ acceptance of technologies. Information & Management, 45, 1-9.
Infopro (2003). The Business Handbook. Beirut. Lebanon.
Jacoby, J. & Kaplan. L. (1972). The components of perceived risk . Advances in Consumer Research. ed. Venkalesan M.. Association for Consumer Re search, 287-291.
Karjaluoto, H., Mallita. M. & Pento T. (2002). Factors underlying attitude formation towards online banking in Finland, International Journal of Bank Marketing, 20(6), 261-272.
Kimbcrly. J.R., & Evanisko, M.J. (1981).Organization innovation: the influence of individual, organizatio nal, and contextual factors on hospital adoption of technological and administrate\ innovations. Aca demy of Management Journal. 24(4). 689-713.
Kirsner. I. & Balbi. D. (1997). Les besoins des banqucs. Banque. 586. 38-39.
Kolodinsky. J.M.. Hogarth. J.M. et Hilgert. M.A. (2004). The adoption of electronic banking tech-nologies by US consumers. International Journal of Bank Marketing. 22(4/5). 238-259.
Kotler, P. (1991). Marketing Management: Analysis. Planning. Implementation and Control. Prentice-1 lull International Inc.. Lnglewood Cliffs, New Jersey. 7th edition.
Kuisma T., Laukkanen T., & Hiltunen M. (2007). Mapping the reasons for resistance to Internet banking: A means-end approach, International Journal of Information Management, 27, 75-85.
LeBlanc R. (2006). Attention: virage electronique en cours. Postes et la societe del & apos; information, 20-23
Langley. A. & Truax J. (1994). A Process Study of new Technology Adoption In Smaller Manufacturing firms. Press of University of Quebec in Montreal.
Lee, E., Lee, J. & Eastwood, I. (2003). A two-step estimation of consumer adoption of technology-based service innovations. Journal of Consumer Affairs. 37 (2), 256-282.
Miller. A. (1985).Technological thinking: Its impact on environmental management. Environmental Management. 9(3), 179-190
Mohr, L.B. (1982). Explaining Organizational Behav iour. San Francisco: Jossey-Bass
Mots. N. P. (1998). The behavioral consequences of PC banking. International journal of bank market-ing. 16(5), 195-201.
Munos, A. (1999). Technologies & Metier de service [Technologies and service professions]. Decisions Marketing, 17, 55-65.
Nunnally. J.C. (1978). Psychometric Theory. New-York: McGraw-Hill.
Ostlund. L. E.(1969). The role of Product Percep tions in innovative behaviour, in ed. P.R. Mac Donald. Marketing Involvement in Society and the Economy. Chicago: American Marketing Associa tion , 259-266.
Perrien. J., Filiatrault. P., & Richard, L. (1993). The implementation of relationship marketing in com-mercial banking. Industrial Marketing Management, 22.141-148.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S.(2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224–235
Quelch, J.A. & Klein. L.R. (1996). The Internet and International Marketing, Sloan Management Review. Spring, 60 - 75.
Raju, P.S. (1980), Optimum stimulus level: its relationship to personality, demographics, and ex ploratory behavior. Journal of Consumer Research, 7, 272-282.
Rieard L. & Perrien .1. (1999). Explaining and evaluating the implementation of organizational relationship marketing in the banking industry: Client & apos; s perceptions. Journal of Business Research, 45. 199- 209.
Rogers, E. M. (1983). Diffusion of innovations. New York: The free press
Rogers, E. M. & Shoemaker, F.F. (1971), Communi cations of Innovations. New York. Free Press.
Robertson, T. S. (1971). Innovative Behaviour and Communication. New York. Holt, Rinehart and Winston.
Rust, R.T. & Kantian. P.K. (2002). E-Service: New Directions in Theory and Practice. ME Sharpe. Artnonk, New York. NY.
Sathye. M. (1999). Adoption of Internet banking by Australian consumers: an empirical investigation. International Journal of Bank Marketing. 17(7). 324 - 334.
Sayar, C. & Wolfe. S. (2007). Internet banking market performance: Turkey versus the UK. International Journal of Bank Marketing. 25(3). 122-141.
Shandh, J. N. (1968), A factor analytic model of brand loyalty. Journal of Marketing Research. 5, 395 -404.
Tan, M. & Teo, T. S.H. (2000). Factors Influencing the Adoption of Internet Banking. Journal if the Association for Information Systems, 1(5). 1-44.
Venkatesh, V., Morris, M.G., Davis, G.B. & Davis F.D. (2003). User acceptance o fin formation technol ogy: Toward a unified view, MIS Quarterly. 27(2), 425-478.
Venkatraman. N. (1995). Reconfigurations d & apos; entreprises provoquees par les technologies de Finformation, in L & apos; entreprise competitive aufutur, Ees Editions d & apos; Organisation, 151-195
VilIates,D.( 1997).Demain, labanqueadistance [The Distant bank of tomorrow] Banque. 585, 68-70.
Wah, L.. (1999). Banking on the Internet. American Management Association, 88 (II). 44-48.
Walsh. S.T., Kirchhoff. B.A. & Newbert, S. (2002). Differentiating Market Strategies for Disruptive Technologies. IEEE Transactions on Engineering Management, 49, 341-351.
Webster. F.E.J. (1969). New Product Adoption in In dustrial Markets: A Framework for Analysis, Journal of Marketing Research, 33(3), 35-39.
Almogbil, A. (2005). Security, perceptions, and practices: challenges facing adoption of online banking in Saudi. Unpublished Ph.D. Thesis, George Washington University, Washington.
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. In J. Kuhl, & J. Beckmann (Eds.), Springer series in social psychology (pp. 11-39). Berlin: Springer.
Aladwani A.M. (2001). Online banking: A contextual study of drivers, development challenges and ex-pectations. International Journal of Information Managements, 21(3), 213-225.
Arndt, J. (1967). Role of product- related conversation in the diffusion of a new product. Journal of Marketing Research. 4. 291-295.
BankData(2004). Bilanbanques. Beirut, Lebanon.
Bauer, R.A. (1960). Consumer Behaviour as Risk Taking. In R.S. Hancock (ed), Dynamic Marketing for a Changing World. Chicago. American Market ing Association.
Bergeron, J. (2001). Les facteurs qui influencent la fidelite des clients qui achetcnt sur Internet [The factors influencing the loyalty of online purchasers). Recherche et Applications en Marketing, 16(3), 39-53.
Bhimani. A. (1996). Securing the commercial Inter net. Communications of the ACM. 39 (6). 29-35.
Bradley, L. & Stewart K. (2002). A Delphi study of drivers and inhibitors of internet banking. International Journal of Bank Marketing, 20(6), 250-260.
Bughin, J. (2003). The diffusion of Internet bank ing in western Europe. Electronic Markets. 13(3). 251-258.
Calof, J. L. & Beamish P.W. (1995). Adapting to foreign markets: Explaining internationalization. International Business Review. 4(2). 15-31
Christensen, C.M. & Raynor MJE. (2003). Innovator & apos; s Solution: creating and sustaining successful growth. Harvard Business School Press, pp. 303.
Churchill. G.A. (1979). A paradigm for developing better measures of marketing constructs. Journal of Marketing Research, 16. 64-73.
Cho, K.R. & Padmanabhan, P. (1995). Acquisition versus new venture: The choice of foreign establish-ment mode by Japanese firms. Journal of Interna tional Management, 1(3). 255-85.
Cockburn. C. & Wilson. T.D. (1996). Business Use of the World-Wide Web. International Journal of Information Management, 16(2). 83-102.
Cooper R. B. & Zmud, R. W. (1990). Information technology implementation research: a technological diffusion approach. Management Science, 36(2), 123-139.
Cox. D.F. (1967). Risk taking and information han dling in consumer behaviour. Harvard University press.
Cyr, D., Bonanni, C., Bowes, J., & Ilsever, J. (2005). Beyond Trust: Website Design Preferences Across Cultures. Journal of Global Information Management, 13(4), 24-52.
Cronbach, L. J. (1951). Coefficient alpha and the internal structure of tests. Psychometrika, 16(3), 297-334.
Dabholkar, P.A. (1996). Consumer evaluations of new technology- based self service options: an in-vestigation of alternative models of service quality. International Journal of Research in Marketing, 13, 29-51.
Daniel. E. (1999), Provision of electronic banking in the UK and the Republic of Ireland. International Journal of Bank Marketing. 17(2), 72-82.
Deisc, M. V., Nowikow, C, King. P. & Wright, A. (2000). Executive s Guide to E-business: From Tactics to Strategy. Price water house coopers L.L.P., 272.
Damanpour. F. (1987). The adoption of technological, administrative, and ancillary innovations: Impact of organizational factors. Journal of Management, 13, 675-688.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use. and user acceptance of computer technol ogy. MIS Quarterly, 13(3), 319-340.
Dicherson M. D. & Gentry J. W. (1983). Cha racteristics of adopters and non-adopters of home computers. Journal of Consumer Research, 10(2), 225-235.
Ernst and Young (2001). Global Online Retailing. An Ernst and Young Special Report, pp.142.
Fishbein, M. & Ajzen. I. (1973). Belief. Attitude, intention, and Behavior: An Introduction to Theory and Research. Addison-Wesley. Reading. MA.
Furst. K.. Lang., W.W., & Nolle. D.E. (2002). Internet Banking. Journal of Financial Services Research, 22(1,2), 95-117.
Gatignon, H. & Robertson, T. S. (1985). A proposal inventory for new diffusion research. Journal of Consumer Research, 1, 249-267.
Gauvin. S. & Sinha. R. (1991). Innovativeness In industrial Organisations: A two-Stage Model of Adoption. Working paper. University of Laval. Canada.
Gourville, J.T. (2003). Why consumers don & apos; t buy: the psychology of new product adoption. Harvard Business School Publishing.
Hartwick, J., & Barki, H. (1994). Explaining the role of user participation in information system use. Management Science, 40 (A), 440-465
Hernandez, J.M.C. & Mazzon J. A. (2007). Adoption of Internet banking: proposition and implementation ofan integrated methodology approach. International Journal of Bank Marketing. 25(2), 72-88.
Ilirchman, E. C. (1980). Innovativeness, Novelty Seeking and consumer creativity. Journal of Con sumer Research, 7. 283-295.
Im, I., Kim, Y., Han, H. J. (2008). The effects of perceived risk and technology type on users’ acceptance of technologies. Information & Management, 45, 1-9.
Infopro (2003). The Business Handbook. Beirut. Lebanon.
Jacoby, J. & Kaplan. L. (1972). The components of perceived risk . Advances in Consumer Research. ed. Venkalesan M.. Association for Consumer Re search, 287-291.
Karjaluoto, H., Mallita. M. & Pento T. (2002). Factors underlying attitude formation towards online banking in Finland, International Journal of Bank Marketing, 20(6), 261-272.
Kimbcrly. J.R., & Evanisko, M.J. (1981).Organization innovation: the influence of individual, organizatio nal, and contextual factors on hospital adoption of technological and administrate\ innovations. Aca demy of Management Journal. 24(4). 689-713.
Kirsner. I. & Balbi. D. (1997). Les besoins des banqucs. Banque. 586. 38-39.
Kolodinsky. J.M.. Hogarth. J.M. et Hilgert. M.A. (2004). The adoption of electronic banking tech-nologies by US consumers. International Journal of Bank Marketing. 22(4/5). 238-259.
Kotler, P. (1991). Marketing Management: Analysis. Planning. Implementation and Control. Prentice-1 lull International Inc.. Lnglewood Cliffs, New Jersey. 7th edition.
Kuisma T., Laukkanen T., & Hiltunen M. (2007). Mapping the reasons for resistance to Internet banking: A means-end approach, International Journal of Information Management, 27, 75-85.
LeBlanc R. (2006). Attention: virage electronique en cours. Postes et la societe del & apos; information, 20-23
Langley. A. & Truax J. (1994). A Process Study of new Technology Adoption In Smaller Manufacturing firms. Press of University of Quebec in Montreal.
Lee, E., Lee, J. & Eastwood, I. (2003). A two-step estimation of consumer adoption of technology-based service innovations. Journal of Consumer Affairs. 37 (2), 256-282.
Miller. A. (1985).Technological thinking: Its impact on environmental management. Environmental Management. 9(3), 179-190
Mohr, L.B. (1982). Explaining Organizational Behav iour. San Francisco: Jossey-Bass
Mots. N. P. (1998). The behavioral consequences of PC banking. International journal of bank market-ing. 16(5), 195-201.
Munos, A. (1999). Technologies & Metier de service [Technologies and service professions]. Decisions Marketing, 17, 55-65.
Nunnally. J.C. (1978). Psychometric Theory. New-York: McGraw-Hill.
Ostlund. L. E.(1969). The role of Product Percep tions in innovative behaviour, in ed. P.R. Mac Donald. Marketing Involvement in Society and the Economy. Chicago: American Marketing Associa tion , 259-266.
Perrien. J., Filiatrault. P., & Richard, L. (1993). The implementation of relationship marketing in com-mercial banking. Industrial Marketing Management, 22.141-148.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S.(2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224–235
Quelch, J.A. & Klein. L.R. (1996). The Internet and International Marketing, Sloan Management Review. Spring, 60 - 75.
Raju, P.S. (1980), Optimum stimulus level: its relationship to personality, demographics, and ex ploratory behavior. Journal of Consumer Research, 7, 272-282.
Rieard L. & Perrien .1. (1999). Explaining and evaluating the implementation of organizational relationship marketing in the banking industry: Client & apos; s perceptions. Journal of Business Research, 45. 199- 209.
Rogers, E. M. (1983). Diffusion of innovations. New York: The free press
Rogers, E. M. & Shoemaker, F.F. (1971), Communi cations of Innovations. New York. Free Press.
Robertson, T. S. (1971). Innovative Behaviour and Communication. New York. Holt, Rinehart and Winston.
Rust, R.T. & Kantian. P.K. (2002). E-Service: New Directions in Theory and Practice. ME Sharpe. Artnonk, New York. NY.
Sathye. M. (1999). Adoption of Internet banking by Australian consumers: an empirical investigation. International Journal of Bank Marketing. 17(7). 324 - 334.
Sayar, C. & Wolfe. S. (2007). Internet banking market performance: Turkey versus the UK. International Journal of Bank Marketing. 25(3). 122-141.
Shandh, J. N. (1968), A factor analytic model of brand loyalty. Journal of Marketing Research. 5, 395 -404.
Tan, M. & Teo, T. S.H. (2000). Factors Influencing the Adoption of Internet Banking. Journal if the Association for Information Systems, 1(5). 1-44.
Venkatesh, V., Morris, M.G., Davis, G.B. & Davis F.D. (2003). User acceptance o fin formation technol ogy: Toward a unified view, MIS Quarterly. 27(2), 425-478.
Venkatraman. N. (1995). Reconfigurations d & apos; entreprises provoquees par les technologies de Finformation, in L & apos; entreprise competitive aufutur, Ees Editions d & apos; Organisation, 151-195
VilIates,D.( 1997).Demain, labanqueadistance [The Distant bank of tomorrow] Banque. 585, 68-70.
Wah, L.. (1999). Banking on the Internet. American Management Association, 88 (II). 44-48.
Walsh. S.T., Kirchhoff. B.A. & Newbert, S. (2002). Differentiating Market Strategies for Disruptive Technologies. IEEE Transactions on Engineering Management, 49, 341-351.
Webster. F.E.J. (1969). New Product Adoption in In dustrial Markets: A Framework for Analysis, Journal of Marketing Research, 33(3), 35-39.