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The purpose of this paper is to attempt to introduce a new approach to User's Informational‐Based Readiness (UIBR) for investigating the acceptance of marketing innovations such as Internet Banking (IB) services.

The UIBR construct involves four dimensions that it is proposed influence the potential adopters' intention to adopt IB. The study employed the quantitative method where convenience sampling and self‐administrated survey questionnaires were sent to 1,000 bank account holders in Yemen.

The findings reveal that both intention and attitude are positively related to all variables of interest and are significantly related to all investigated variables. Furthermore, the multiple regression findings moderately supported that all alternative hypotheses of interest and their sub‐hypotheses are accepted, regarding both the individual's intention and attitude towards the adoption of IB.

This study does not examine the formal relationship between Intention and Attitude and the sample size could have been larger.

The results strengthen the study's argument that the four UIBR dimensions significantly affect a person's intention and attitude towards IB‐use.

Previous studies that sought innovation adoption did not give much concern to the UIBR. This study makes a valuable contribution in the field of marketing by implementing the four UIBR components in the management area as a tool to evaluate the performance and marketing strategy of firms, and also to evaluate to what extent consumers are ready to accept the products or the services introduced.

Information security has become an essential entity for organizations across the globe to eliminate the possible risks in their organizations by conducting information security risk assessment (ISRA). However, the existence of numerous different types of risk assessment methods, standards, guidelines and specifications readily available causes the organizations to face the daunting tasks in determining the most suitable method that would augur well in meeting their needs. Therefore, to overcome this tedious process, this paper suggests collective information structure model for ISRA.

The proposed ISRA model was developed by deploying a questionnaire using close-ended questions administrated to a group of information security practitioners in Malaysia (N = 80). The purpose of the survey was to strengthen and add more relevant additional features to the existing framework, as it was developed based on secondary data.

Previous comparative and analyzed studies reveals that all the six types of ISRA methodologies have features of the same kind of information with a slight difference in form. Therefore, questionnaires were designed to insert additional features to the research framework. All the additional features chosen were based on high frequency of more than half percentage agreed responses from respondents. The analyses results inspire in generating a collective information structure model which more practical in the real environment of the workplace.

Generally, organizations need to make comparisons between methodologies and decide on the best due to the inexistence of agreed reference benchmark in ISRA methodologies. This tedious process leads to unwarranted time, money and energy consumption.

The collective information structure model for ISRA aims to assist organizations in getting a general view of ISRA flow and gathering information on the requirements to be met before risk assessment can be conducted successfully. This model can be conveniently used by organizations to complete all the required planning as well as to select the suitable methods to complete the ISRA.