International Journal of Science and Research (IJSR)

International Journal of Science and Research (IJSR)
Since Year 2012 | Open Access | Fully Refereed | Peer Reviewed

ISSN: 2319-7064




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Research Paper | English Language and Literature | Morocco | Volume 10 Issue 5, May 2021


Determining the Factors Influencing Internet Banking Adoption: An Empirical Study in Morocco

Dr. Mounia Ghalmat


Abstract: This study investigates customer?s perception and adoption of Internet banking IB in Morocco. We developed a theoretical model based on the Technology Acceptance Model (TAM) with Perceived Risk construct. A questionnaire was designed to collect data from a randomly selected sample of Moroccan banking customers and obtained 280 usable responses. Structural equation modeling (SEM) was used for data analysis. The results indicate that PU, PEOU and ATT have a significant effect on customer?s acceptance of Internet Banking (IB), while Perceived Risk has no significant impact on adoption and attitude. The findings of this study provide important implications for bank management in formulating sound IB marketing strategies and enhancing banking adoption in Morocco.


Keywords: Internet Banking, Technology Acceptance Model, TAM, Perceived Risk Theory, PR, Structural Equation Modeling, SEM


Edition: Volume 10 Issue 5, May 2021,


Pages: 1255 - 1264


How to Cite this Article?

Dr. Mounia Ghalmat, "Determining the Factors Influencing Internet Banking Adoption: An Empirical Study in Morocco", International Journal of Science and Research (IJSR), Volume 10 Issue 5, May 2021, pp. 1255-1264, https://www.ijsr.net/get_abstract.php?paper_id=SR21527163722

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