Barriers to the Adoption and the Usage of Internet Banking by Tunisian Consumers

Créé le

04.04.2011

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Mis à jour le

13.04.2011

Cette analyse vise à identifier les barrières à l’adoption et l’usage de la banque sur Internet par les consommateurs tunisiens. Les résultats montrent que la facilité d’utilisation, l’utilité, la confiance accordée et la sécurité sont des facteurs positifs, alors que les coûts perçus et l’utilisation des distributeurs automatiques (ATM usage) sont perçus comme des obstacles.

Barriers to the Adoption and the Usage of Internet Banking by Tunisian Consumers

Mohamed Rochdi Keffala

Internet banking is nowadays the most e-banking service used in the developed countries. Whereas, in the developing and emerging countries the use of Internet banking is still weak, especially in African and Arabic countries.

As a review of the literature many studies are based on Technology Acceptance Model (TAM) as a conceptual model in order to describe the effect of factors influencing the intention of consumers to adopt and to use Internet banking. The TAM which has been developed by Davis in 1989, argued that perceived ease of use and perceived usefulness have a positive effect on intention ...