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The research study is conducted top examining the various factors which are affecting the customer attention to an adopting the Internet banking services in the region of the Iraq Kurdistan. The research study have significance for all the criteria of the knowlweedge4 and policy makers of the bankers as well as it will contribute to exploring the knowledge of the markets to expanding the various rules of the banking. Internet banking has become the new trend for the banks and customers due to the hectic and busy routine of the individual further internet have cover the all business for enhancing their growth even customer satisfaction. The major gap of the research study is the region at where the research study is conducted such as Iraqi Kurdistan. There are lot of the research study which are conducted at this region but them different variables from this research study. There is not any research study which have identify these all factors of the research study this research study is based upon the three types of the variables as independent, dependent and mediation variable. Mediators are performing the role to linking the dependent and independent variable.
The above given conceptual frame work for
the research study is created by using the three important theories which are
known as the unified theory of the theory of the acceptance and use of technology.
It also includes the mental accounting theory and effects of the model of
hierarchy. Therefore the important contribution theory in this research study
is the unified theory for the use of technology and acceptance of theory.
This theory is also known as the (UTAUT). This theory is also includes the both variables as the Social image and internet experience these are drawn from the hierarchy effects of the model and mediating variable of the research study which perceived value it is darn from the mental accounting theory MAT and these all variables are used to modifying the UTAUT model. These all variables are creating its own research gap for research study because there is not any research study conducted in the region of Iraqi Kurdistan for examining the various factors of the intention.
No doubt there is lot of research study
present in the various journals which are examining the factors of the intention
but these all studies are conducted in another region rather than the Iraqi
Kurdistan. The previously existed research study in the various regions of the
world can be used as the supporting material of this research study and may be
these all studies can be used as secondary data for the research study. But the
seven variables of the research study is describing clear gap of the research
study which re working under the social image and internet experience.
These all variables are selected from the various
research studies by emerging the various research models this model have been
selected for this research study. There are five independent variables which
are Perceived Cost, Perceived Risks, Perceived Web security, Perceived ease of
use and Perceived usefulness. These are the independent variables of the research
study which are selected by using the various s TAM, MAT, UTAU. There are several
theories which are used to supporting the gap of the research study. Social image is used in this research study
which is affecting the three independent variables as Perceived Web security,
Perceived ease of use and Perceived usefulness and the social image is selected
by using m-banking adoption model under the Tam model
The perceived value is the mediator between
the dependent and independent variables. Behavioural intention is the dependent
variables in this research study to which all on which all of the independent
variables are effecting to knowing about the intention and behaviours of the
customers accordion to perceived risk, cost and web security. Perceived values are the mediating variables
which are mostly used to supporting the research study of the independent
variable.
Research gap of the study can be the difference of the research study from any means the research can be differ from the others according to the methods of the study, there can be gap of the regions, most important gap of the research can be defined by cahngi9ng the variables even by using the emerging variables of the different research studies as in this study the indep0endent variables are differ from other variables and it have five independent variables which are using according to the various theories and the other one gap of the research study is the region it mean there is not research study conducted in the Iraqi Kurdistan by using these all variables and theories.
Reference of Factors of Customer Intention to Adopt Internet Banking Services in Iraqi Kurdistan Region
F.Munoz Leiva, S. (2017). Deaterminants of intetion to use teh mobile banking apps: An extention of the classic TAM model. Spanish journal of marketing, 25-38.
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