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Factors affecting adoption of internet banking in Jordan: Chartered accountant’s perspective

Awni Rawashdeh (College of Business and Administration, Princes Noura University (PNU), Riyadh, Saudi Arabia)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 1 June 2015




The purpose of this paper is to investigate the Jordanian accountant’s behavioral intention of using the Internet Banking services to focus on the perceptions of the users in terms of usefulness and ease of use of Internet Banking, besides the privacy of using this dynamic technology for meeting their banking requirements.


The questionnaire on Internet Banking was specifically designed and used to survey a randomly selected sample of Jordanian accountants from the web site of the Jordan Association of Certified Public Accountants and 298 usable responses were obtained. The data were analyzed using SPSS and AMOS (structural equation modeling).


The results of this analysis support the extended Technology Acceptance Model (TAM) as well as confirm its robustness for predicting the behavioral intention of the adoption of Internet Banking by the Jordanian chartered accountants.

Research limitations/implications

During a period when quick changes are taking place, new technologies are entering the market every day, resulting in a cross-sectional study which cannot be generalized perfectly.

Practical implications

The findings offered useful information for the bank management in order to formulate marketing strategies for Internet Banking.


This study has contributed to the literature available as it formulated and validated an extended TAM for predicting the adoption of Internet Banking.



Rawashdeh, A. (2015), "Factors affecting adoption of internet banking in Jordan: Chartered accountant’s perspective", International Journal of Bank Marketing, Vol. 33 No. 4, pp. 510-529.



Emerald Group Publishing Limited

Copyright © 2015, Emerald Group Publishing Limited

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