Manuscript Title:

FACTORS SUSTAINING CLIENTS BEHAVIORAL INTENTIONS TO USE SMARTPHONES-BANKING IN OMAN: A SURVEY STUDY BASED ON COVID 19 CRISIS

Author:

AMEENA ABDULAH HALBOOS, ARSHED F. ALTAMEEMI, SALEM A. ALZOUBAI

DOI Number:

DOI:10.17605/OSF.IO/J9568

Published : 2022-07-10

About the author(s)

1. AMEENA ABDULAH HALBOOS - Assistant Prof. of Banks Management, Middle Technical University, Institute of Administration – Alrusaffa.
2. ARSHED F - Prof. of Finance, AlBuraimi University College, Sultanate of Oman.
3. ALTAMEEMI - Prof. of Accounting, Al-Bayan University, Business College, Iraq Republic.
4. SALEM A. ALZOUBAI -

Full Text : PDF

Abstract

The study strived to survey the opinions of a sample of bank clients operating in the Omani banking sector regarding the impact of the Covid-19 pandemic on the Client's behavioral intentions in adopting smartphone banking techniques and their sustainability use after the crisis. The conceptual model of the extended unified theory of acceptance and use of technology (UTAUT2) is used as a study model. The study targeted clients of bank branches operating in Al Buraimi Governorate due to the difficulty of limiting the sample at the Sultanate of Oman level; besides, environmental and health conditions generated by the pandemic were determinant in communicating with a study sample. The study prepared an e-questionnaire on the Google website to avoid these limitations. The link distributed randomly via WhatsApp is the most widely used and widespread application in Oman. As a result, (250) were obtained responses were during a waiting period of one week, of which only (241) were valid for analysis. Using the SPSS software to test the hypothesizes. The results indicated the COVID 19 crisis positively affected the behavioral intentions of Omani consumers in smartphone banking applications' sustainability. They perceived the utilities and benefits of these technologies via five primary constructs (Habit, Effort expectancy, performance expectancy, social influence, and price value).


Keywords

COVID 19, Smartphone, Banking Applications, Consumer Behavioral Intentions, UTAUT2, Oman.