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Perspectives Relative to Mobile-Banking Adoption in the United Arab Emirates

1College of Information Technology, Ajman University, Ajman, UAE

American Journal of Information Systems. 2017, Vol. 5 No. 1, 13-20
DOI: 10.12691/ajis-5-1-2
Copyright © 2017 Science and Education Publishing

Cite this paper:
Haroun Al Ryalat. Perspectives Relative to Mobile-Banking Adoption in the United Arab Emirates. American Journal of Information Systems. 2017; 5(1):13-20. doi: 10.12691/ajis-5-1-2.

Correspondence to: Haroun  Al Ryalat, College of Information Technology, Ajman University, Ajman, UAE. Email:


Mobile-banking (m-banking) services, which are primarily engaged over Short Messaging Service (SMS) or tunneling General Packet Radio Service (GPRS) (or in some cases through Unstructured Supplementary Service Data (USSD), have enabled provisions of several financial services including intra- and interbank funds transfers and other merchant services. M-banking services reduce temporal and spatial constraints through internet-enabled mobile devices such as smart-phones. In the United Arab Emirates (UAE), the adoption of m-banking is still in its infancy and the statistics are low compared to Europe and North America. Although smartphones are the most dominant form of communications in the UAE, m-banking penetration has been relatively low. Using three constructs to develop a web-based survey instrument, a structured equation modeling (SEM) technique was implemented to assess the correlation between the extended Technology Acceptance Model (TAM) constructs with m-banking adoption. The results indicated that perceived ease, trust, credibility, and usefulness were significant predictors of m-banking adoption in the UAE. The revealing component of users in each of the Emirates representing the UAE was outside the focus of this study while focus on UAE consumers irrespective of their residents in the country. The findings of this study will provide financial institutions the critical information to help expand m-banking services especially in the UAE. In addition, this study may contribute to social changes in ameliorating the lack of effective customer service.