The adoption of online banking in Saudi Arabia is still emerging. The purpose of this study was to identify the factors that influenced Saudi females to adopt online banking with Saudi banks. This study answered the following research question: What are the factors that influence Saudi female users in Saudi Arabia to adopt online banking through Saudi Arabian banks? This study contributes to a gap in the literature regarding the limited studies of online banking from a Saudi female perspective. A qualitative method was used to conduct the study. A semi-structured interview was conducted to collect data from the participants. The sample consisted of 13 Saudi females who live in Riyadh, Saudi Arabia. The themes of this study developed by coding the transcripts via NVivo, then categorizing the responses into themes. These themes were identified according to the multiple responses from the participants repeatedly on each theme. The results provided seven main themes which influenced females to adopt online banking. Easiness and convenience were the preeminent influential themes according to the females followed by security, trust, user-friendly comfortable, and availability. The sub-themes were: (1) save time, (2) effortless, (3) easy to navigate, (4) easy to use, (5) clear options, and (6) clear to navigate. In addition, this study found that education, professional background, computer competency, and age had a significant impact on online banking adoption from Saudi females.
|Advisor:||Rota, Daniel R.|
|Commitee:||Cellante, Donna L., Kovacs, Paul J.|
|School:||Robert Morris University|
|Department:||Information Systems and Communications|
|School Location:||United States -- Pennsylvania|
|Source:||DAI-B 78/10(E), Dissertation Abstracts International|
|Subjects:||Womens studies, Information Technology|
|Keywords:||E-banking, Influencing factors, Interviews, Online banking in saudi, Saudi culture, Saudi female|
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