Perceived Ease of Use and IT Infrastructures Factors and Their Impact on the Customers’ Intention to Adopt Digital Banking Services among the Algerian Banks

Abstract

The current study investigated the factors that affect the adoption of digital banking users in Algeria. Two factors were included in the analysis, namely Perceived ease of use and IT Infrastructures. This study targeted bank customers who have bank accounts in Algerian banks, adults, and those above 18 years old. The research used a quantitative approach based on primary data collected through a survey- questionnaire. A total of 414 finalized respondents were taken further from the distributed questionnaires for data analysis and interpretation using Smart PLS 4.0 and SPSS 26.0. The research framework in this study is guided by the unified theory of acceptance and use of technology (UTAUT). The adoption of digital banking was found to be highly influenced by both criteria, namely Perceived Ease of Use and IT Infrastructures. The analysis process suggested that knowing the link between the factors that have been mentioned in the study and the adoption of digital banking services could assist banking institutions in improving their services. As a result, they would be able to re-evaluate their plans and choices concerning digital banking services, which will enable banking organisations to attract clients and decrease their operating expenses. Despite there is lots of information in previous literature regarding the theoretical factors that may affect the adoption of digital banking services, the researchers only found a small amount of empirical evidence that examined the connection between the adoption of digital banking and the variables that were discussed in this study. The study could therefore be important since it could give banking organisations the foundation and knowledge they need to change while offering a variety of solutions and services to their consumers. Additionally, it might be fascinating for other researchers to be aware of studies like the one at hand since they might think to examine the influence of these types of factors in their own research.

Keywords: Digital banking services adoption; Perceived ease of use; IT Infrastructures; UTAUT theory.