Factors Driving the Adoption and Application of Internet-Based Bank Services with Special Emphasis on e-Banking. Utilizing the Technology Acceptance Model (TAM’s) Structure

Abstract

The study endeavors to analyze the factors driving the adoption and application of Internet-based bank services in the Sudan with a special emphasis on e-banking. Utilizing TAM’s structure, this research explains the usage of customers on the internet banking world by focusing on these features: utility, user-friendliness, trust management, and cultural considerations. It was revealed that, although security and reliability remain one of the most significant concerns in banking, end users are also looking for a bank with good design, enjoyable features and which is socially ideal. The study highlights the increasing popularity of mobile transaction services in emerging markets, highlighting the need for better understanding of user behavior and optimizing their usefulness and establishment in Sudan.