Academy of Strategic Management Journal (Print ISSN: 1544-1458; Online ISSN: 1939-6104)


Factors Influencing the Adoption of E-Banking in Kuwait

Author(s): Abdullah AL-Mutairi, Kamal Naser, Mshael A. Salem

The purpose of this study is to identify factors impact customers’ decision to adopt e-banking services in Kuwait. The study used a questionnaire survey to identify the factors affect customers’ decision to adopt e-banking. Various factors employed in literature were used together with some demographic factors and the participants were asked to express their level if agreement with each of them on 5 points Likert scale. 500 questionnaires were distributed and 320 returned completed, resulting in 64% a usable response rate. The collected data were analysed by employing a stepwise regression analysis. The outcome of the analysis pointed to relative advantage that excludes cost and profit together with trialability and the participant’s level of education as being positively and significantly associated with customer’s decision to adopt e-banking in Kuwait.

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