Consumer Awareness and Usage of E-Banking in Palestine

The research purpose is about the examination of the factors that influence customers in order to use E-banking in Palestine. The research framework was based on the Theory of Planned Behavior (TPB) with variables such as attitude, subjective norms and perceived behavioral control with the extension of technology acceptance model (TAM), perceived usefulness and perceived ease of use in order to examine the effect on behavioral intention to use E-banking system. The research applied quantitative research methodology were collected from purposive sampling method of two hundred and fifty (n=250) Palestinian bank's customers throughout a survey that were established for this purpose. For testing the factors that influenced customer‟s intention to use E-banking we used the SPSS v20. Furthermore, both dependent and independent variables of different groups were compared using t-test and ANOVA analysis. The results of this research showed that there are no significant differences between male and female according to the independent variables in using E-banking system. Also by using independent t-test we have found that there is significant difference between single and married people regarding perceived usefulness, perceived ease of use, attitude and perceived behavioral control unlike subjective norms and behavioral intention. Moreover, ANOVA analysis showed that there are no significant differences for educational level. However, ANOVA analysis showed that there is significant difference for annual salaries regarding perceived usefulness. Finally, results indicate that perceived usefulness is the most significant factor influencing the behavioral intention in using E-banking system in Palestine. Whereas, subjective norms, attitude, perceived behavioral control are not influencing the behavioral intention to use E-banking system in Palestine.