Research on E-banking Functionality and Technology Empowerment in Palestine: An Empirical Investigation

Abstract

This study made in order to diagnose the customers' perspective towards the acceptance and implementation of new updated e-banking system in Palestine, and analyze the impact of e-banking on users who are intended to adopt technological banking technique. Dramatically, this study focused on the advantages, benefits, and tasks of e-banking through examining the factors which contributes and enhances the adoption of e-banking in Palestine. A purposive sampling technique (selective or subjective sampling) was employed to recruit 84 customers representing the desired range of demographic characteristics (e.g. gender, age, computer use, and internet accessibility), prior online experiments, and their educational level. The findings of this research showed that the implementation of e-banking (Perceived usefulness (PU), Perceived Ease of use (PEOU), Perceived IT Beliefs (PITB), and Task-Technology Fit (TTF) has a positive influence on Palestinian Commercial and Islamic Bank customers' intention. Value research which has a practical contribution of this work would provide new guidelines and basics on E-banking, especially related to Palestine, which has a relative dearth of literature on the implementation of E-banking, and provide some insights into the role of this technique to make a substantial difference, thereby it could be used to enhance an appropriate and good improvements of e-banking in Palestinian's banks. Thus, this would lead to help banks shift gradually from the traditional way of banking into delivery of its products and services electronically.