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Furthermore, technology acceptance model will be integrated it into a new model that consists of the main four influential dimensions that have been proposed singly or bilaterally in the previous literature. The internet banking has enhanced the transparency of the banks’ financial statements disclosure and it gives banks an easy tool to market its services (Nasri and Charfeddine, 2012).Ĭonsidering the significance of the internet banking services in the current scenerio, this paper contributes to the better understand about the internet banking adoption decision by extending it to the technology acceptance model (TAM). TAM has been widely addressed in literature particularly related to the internet banking services, taking into account that the internet banking has created a competitive environment for banks in the market and enabled them to reach and serve a broader range of customers with less cost.
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The technology acceptance model (TAM) known as a parsimonious model comprises the main technology’s features that would encourage users to adopt it, furthermore, the verifiability of TAM has been confirmed by researchers, and the generalization of its findings has been established as well, since the technology acceptance model has been used to examine the adoption of different types of the information technology with a heterogeneous group of subjects through many points of time. This has drawn the attention of the researchers to investigate for models which determine the main factors that can encourage people to adopt these technologies. The recent substantial developments in technologies and innovations have stimulated the community and businesses to adopt the latest technology because of its countless advantages that have eased and improved the business environment in the recent decades. While the personal innovativeness factor showed the weakest effect among the proposed factors. The negative impact of the perceived risk factor is weak compared to the previous factors. This is demonstrated by the total effects of the perceived ease of use and the subjective norm factors, which are greater than the direct effect of the perceived usefulness factor since both of these factors have significant direct and indirect effects mediated by the perceived usefulness factor. Results showed that even though the participants appreciated the benefits of the online banking as the perceived usefulness factor exerts the greatest direct effect, they would rather use clear and easy-to-use websites, adding to that their assessments of the usefulness of these services are significantly influenced by the surrounding people’s views and prior experience.
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Additionally, the mediation test is used to examine indirect effects. The partial least square approach of the structural equation modeling (PLS-SEM) is employed to investigate the direct effects of the proposed factors on the adoption decision.
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Design/methodology/approachĪ self-administered survey was conducted with 291 participants responded to it. Real-time answers.This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions the technology features, the personal characteristics, the social environment and the expected risk. The CJ3+ jet has an AP system that is simple and straightforward to operate yet sophisticated and state-of-the-art, which makes flying the CJ3+ jet easier, safer, more consistent and more enjoyable. It can maintain altitude, airspeed, vertical speed and heading, in addition to flying VNAV descent profiles, automated Takeoff/Go-Around procedures and more. The AP maximizes aircraft performance with precise lateral and vertical navigation guidance for all phases of flight. The GFC 700 allows for outstanding flight automation and precision. The system is powered by the Garmin® GFC™ 700, a control system that has flight director, autopilot, yaw damper, and features that provide top-level performance. Integrating data from the avionics system, the AP is built to inspire confidence while ensuring smoothness and comfort. The CJ3+ jet is equipped with a fully digital, dual-channel autopilot (AP) system equipped with many features for added redundancy and reliability.