SACM - United Kingdom
Permanent URI for this collectionhttps://drepo.sdl.edu.sa/handle/20.500.14154/9667
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Item Restricted IMMBA- An Integrative Model for Mobile Banking Adoption: The Case of Saudi Arabia(University of Sussex, 2024-04) Alzahrani, Amal; Beloff, Natalia; White, MartinIn the realm of banking, institutions are continuously striving to integrate cutting-edge technology and functional solutions to improve the efficiency of their operational processes and services to meet evolving customer needs. Among the technological developments, mobile banking has emerged as a transformative tool, offering convenience and accessibility to users worldwide. Despite being available, it remains underused in Arabian countries, notably Saudi Arabia. There is limited research on the factors influencing mobile banking adoption in Saudi Arabia, which indicates an inadequate knowledge. Banks may lack vital information into making this technology more appealing. Thus, understanding attitudes and beliefs of Saudi bank customers towards mobile banking is fundamental for increasing adoption. This study aims to delve deeper into the reasons behind this low adoption rate and explore the key factors influencing the adoption and usage of mobile banking in Saudi Arabia. To achieve this, IMMBA was developed based on the D&M IS Success Model and the UTAUT2. Mixed method approach was employed using convenient sampling technique to survey a total of 385 Saudi bank customers, and data was analysed quantitatively using Structural Equation Modelling (SEM) and SPSS software. For the qualitative analysis, five bank customers were interviewed and the data gathered was thematically analysed. The results confirm the validity of the proposed framework and provide empirical evidence of the significant factors influencing mobile banking adoption in Saudi Arabia. This contributes to filling the gap in scholarly research, enriches the existing knowledge base in this field, and aids in refining theoretical frameworks related to technology adoption, thereby advancing academic theories in this area. The study makes substantial contributions to the Saudi Arabian financial sector by offering valuable insights into the critical factors shaping the adoption of such systems, thus direct efforts to develop features that satisfy customer needs and alter business model to enhance factors conducive to mobile banking adoption. These insights are invaluable for the design, development, and successful implementation of mobile banking technology or similar innovations. Overall, the study contributes both empirically and theoretically to understanding mobile banking adoption dynamics in Saudi Arabia.22 0Item Metadata only Corporate Governance mechanisms and Dividend Payout: An Empirical study of the UK listed firms.(Kingston University of London, 2023-12) Alzahrani, Amal; Elmarzouky, MahmoudIn this dissertation we explore the link of corporate governance mechanisms and dividends payout. The corporate governance mechanisms employed are board size, board independence, CEO duality, and managerial shareholding. In addition to the above we used control variables to ensure that the results are accurate. In order to investigate the link between corporate governance mechanisms and dividends payout. We used a sample of UK listed firms in the stock exchange for the years 2015 -2021. This research used an OLS regression to estimate the empirical model and to control the heteroskedasticity and employed a fixed effects of year and industry. Our results show a significant positive correlation between board size, CEO shareholdings percentage and dividends payout. Whiles it showed a negative relationship between board independence, CEO duality and dividends payout. This result is beneficial as it adds to the body of knowledge on how firms can use CG mechanisms to enhance dividends payout and can guide managers in formulating effective dividend policies by considering the factors influencing dividend payout as revealed in this study.9 0