Provision of a model for adoption $E$-banking technologies with emphasis on behavior of users

[1] R. Agarwal and E. Karahanna, Time Flies When You’re Having Fun: Cognitive Absorption and Beliefs About
Information Technology Usage, MIS Quarterly 24 (2000), 665–694.
[2] S. Ahmad, S. H. Bhatti and Y. Hwang, E-service quality and actual use of e-banking: explanation through the
technology acceptance model, Inf. Dev. 36 (2019), 503–519.
[3] M. Allahyaari-Fard, Electronic Banking Services & its Executive Requirements in Comparative Comparison of
Operating Costs of Different Banking Services, Tehran, Central Banking Publications of the Islamic Republic of
Iran, Monetary & Banking Research Institute, 2005.
[4] N. Alvandi and R. Mirzayi-Sarvkalayi, The Necessity of Electronic Banking in Electronic City, The Second World
Conference on Electronic Banking, Tehran, 2008.
[5] A. M. Baabdullah, A. A. Alalwan, N. P. Rana, P. Patil and Y. K. Dwivedi, An integrated model for m-banking
adoption in Saudi Arabia, Int. J. Bank Mark. 37 (2019), 452–478.
[6] Bankia, Bankia Presenta el ‘Humanismo Digital’, Una Nueva Forma de Relacionarse Con Sus Clientes Basada
en la Tecnolog´ıa y las Personas. Available online at: https://www.bankia.com/es/comunicacion/noticias/
bankia-humanismo-digital-clientes-tecnologia.html, 2020 (accessed October 7, 2020).
[7] G. Capece, P. Bazzica, A practical proposal for a “Competence Plan Fulfillment” Key Performance Indicator,
Knowledge and Process Management 20 (2013), no. 1, 40–49.
[8] G. Capece and D. Campisi, Technological change and innovation behaviour in high level education: An international comparison between Italian and Portuguese samples, Knowledge and Process Management 18 (2011), no. 1,
67–74.
[9] G. Capece and D. Campisi, User satisfaction affecting the acceptance of an e-learning platform as a mean for the
development of the human capital, Behaviour & Information Technology 32 (2013), no. 4, 335–343.[10] G. Capece, L. Cricelli, F. Di Pillo and N. Levialdi, A productivity analysis of the Italian gas retail market,
Environmental Economics and Investment Assessment II, Aravossis, Brebbia e Gomez eds, WIT Press, UK,
(2018), 43–52
[11] R. Carranza , E. D´ıaz, C. S´anchez-Camacho and D. Mart´ın-Consuegra, e-Banking Adoption: An Opportunity for
Customer Value Co-creation, Front. Psychol. 11 (2021), 621248.
[12] M. Chepurna, and J. R. Criado, Identification of barriers to co-create online: the perspectives of customers and
companies, J. Res. Interact. Mark. 12 (2018), 452–471.
[13] P. Cruz, J. Salo, P. Munoz-Gallego and T. Laukkanen, Heavy users of e-banking and Customer Experience
Management: Evidences on intrinsic motivation., Int. J. of Electronic Business 8 (2010), no. 2, 187–209.
[14] F. D. Davis, R. P. Bagozzi and P. R. Warshaw, User acceptance of computer technology: a comparison of two
theoretical models, Manage. Sci. 35 (1989), 982–1003.
[15] F.D. Davis, Perceived Usefulness, Perceived Ease of Use & User Acceptance of Information Technology, MIS
Quarterly, 13 (1989), Issue 3, 319–340.
[16] M. Deb and E.Lomo-David, An empirical examination of customers’ adoption of m-banking in India, Mark. Intell.
Plan. 32 (2014), 475–494.
[17] Deutsche Bank Research, Online banking – What we learn from the differences in Europe, 2006, Available: http:
//www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000196129.pdf
[18] R. Glavee-Geo, A. A. Shaikh and H. Karjaluoto, Mobile banking services adoption in Pakistan: are there gender
differences? Int. J. Bank Mark. 35 (2017), 1090–1114.
[19] J.F. Hair, G.T.M. Hult, C.M. Ringle and M. Sarstedt, A Primer on Partial Least Squares Structural Equation
Modeling, 2nd Ed. Thousand Oaks: Sage, 2017.
[20] J. Kayhan, M. Moradi and S. Naghdeh, Investigating Factors Affecting the Use & Acceptance of Computer
Technology by Teachers Utilizing Fuzzy Cognitive Maps, Research in Educational Systems, 12th Session, Winter
2018, no. 43.
[21] I.M. Klopping and E. McKinney, Extending the Technology Model T Technology Task Featuring Model to Consumer E-Commence, Information Technology Learning & Performance Journal 22 (2014), no. 1, 35–48.
[22] R. F. Malaquias and Y. Hwang, Mobile banking use: a comparative study with Brazilian and U.S. participants,
Int. J. Inf. Manag. 44 (2019), 132–140.
[23] R. B. Mostafa, Mobile banking service quality: a new avenue for customer value co-creation, Int. J. Bank Mark.
38 (2020), 1107–1132.
[24] T. Natarajan, S. A. Balasubramanian and D. L. Kasilingam, The moderating role of device type and age of users
on the intention to use mobile shopping applications, Technol. Soc. 53 (2018), 79–90.
[25] H. E. Riquelme and R. E. Rios, The moderating effect of gender in the adoption of mobile banking, Int. J. Bank
Mark. 28 (2010), 328–341.
[26] M. G. Salimon, R. Z. Bin Yusoff, S. Sanuri and M. Mokhtar, The mediating role of hedonic motivation on the
relationship between adoption of e-banking and its determinants, Int. J. Bank Mark. 35 (2017), 558–582.
[27] A. A. Shaikh and H. Karjaluoto, Mobile banking adoption: a literature review, Telemat. Inform. 32 (2015),
129–142.
[28] R.A. Shang, Y.C. Chen and S. Lysander, Extrinsic versus intrinsic motivations for consumers to shop on line,
Information & Management 42 (2019), 401–413.
[29] P. Sikdar, A. Kumar and M. Makkad, Online banking adoption a factor validation and satisfaction causation
study in the context of Indian banking customers, Int. J. Bank Mark. 33 (2015), 760–785.
[30] S. Singh and R. K. Srivastava, Understanding the intention to use mobile banking by existing online banking
customers: an empirical study, J. Financ. Serv. Mark. 25 (2020), 86–96.
[31] S. Van Den Heuvel, Development, Implementation & Acceptance of People Analytics (aka: HR Analytics orWorkforce Analytics), 2020, https://www.internationalhu.com/research/researchers
[32] M. Wang, S. Cho and T. Denton, The impact of personalisation and compatibility with past experience on e-banking
usage, Int. J. Bank Mark. 35 (2017), 45–55.
[33] S. G. Yaseen and I. A. El Qirem, Intention to use e-banking services in the Jordanian commercial banks, Int. J.
Bank Mark. 36 (2018), 557–571.
[34] H. S. Yoon and L. M. B. Steege, Development of a quantitative model of the impact of customers’ personality and
perceptions on internet banking use, Comput. Hum. Behav. 29 (2013), 1133–1141.
[35] S. Zaineldeen and M. I. Li Hongbo, Service Quality Dimensions, Students’ Satisfaction & the Link Between Them:
A Study of Student Information System at Jiangsu Province’ Universities, China. European Journal of Business
& Management. 12 (2020), no. 9.
[36] T. Zhang, C. Lu and M. Kizildag, Banking “on-the-go”: examining customers” adoption of mobile banking
services, Int. J. Qual. Serv. Sci. 10 (2018), 279–295.