Abstract:
Information technology represents the most important tool for any business to grow
and increase pro_ts in this century. Online banking represents one type of business
change due to revolutionary changes in technology. There are limited studies for
adoption of online banking in Saudi Arabia which is one of the largest economies in
the world. For that reason my study focused on the adoption of online banking by
countries in general and particularly in Saudi society. In many situations there is a
gap between business and information technology. In particular there is a crimson
between online bank users and technology. It is necessary to bridge this gap In
order to achieve online banking targets. My study investigated the different reasons
for the gap its formation (between online banking and information technology) and
how to bridge it. This research is focused on the diferent factors that enhance
the adoption of online banking services through general users. This framework
was established by drawing from several theoretical studies. The proposed research
framework contains the most important factors for online banking. These include
the following hypotheses; (H1) personal information, (H2) personal experience, (H3)
disposition to trust, (H4) reputation, (H5) trusting Belief, (H6)structural assur-
ance and (H7) perceived site quality. These hypotheses were tested experimentally
through a questionnaire which was analyzed using SPSS Version 14 program. The
results showed that (H1) personal information, (H2) personal experience, (H3) dis-
position to trust, (H4) reputation, (H5) trusting belief, (H6) structural assurance
and (H7) perceived site quality are positive factors affecting customer adoption of
online banking. There was a significant correlation between the different online
banking adoption factors or hypotheses and the personal information (age, gender
and education) with P values of <0.005 in most of cases.
