A Theoretical Discussion of Electronic Banking in Jordan by Integrating Technology Acceptance Model and Theory of Planned Behavior

Information technology services are the major driver of the changes occurring on the global level. The shift from traditional banking to electronic banking has been considered to be one of such changes, and to be a significant part of the bank’s strategy of formulating a model of information technology adoption that provides customer services. In the context of Jordan, although majority of banks have already adopted the Internet in providing different customer services, the understanding of user’s acceptance of electronic banking services is still scarce. Added to this, previous studies in literature concerning e-banking acceptance have primarily been done in the developed nations. This study primarily aimed to provide a theoretical Discussion of Electronic Banking in Jordan by Integrating TAM Model and TPB Model, and identify the factors affecting the acceptance of E-Banking in Jordan. We developed a theoretical model based on an integration of the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) model with perceived trust, self-efficacy and enjoyment. Electronic banking, in this study, was considered as an innovative service to be examined in light of its acceptance among Jordanian banks. The importance of such acceptance lies in the lower costs and more convenience provided to customers.