Factors that Affect Commercial Banks Customers Intention towards Electronic Payment Services in Jordan
Bibliographic record
Abstract
This study aims to identify the factors influencing commercial banks customers intention toward electronic payment services in Jordan (AL-Karak) province. To achieve the aim of the study, a questionnaire has been developed to explore the effect of the independent variables (relative advantages, simplicity, security, consciousness and self efficacy) on the dependent variable (banks customers intention toward E-payment services). Six hundred questioners had distributed and 543 were returned to be valid for the final analysis with response rate of 90.5%. SPSS v 18 was used to test the reliability and composite reliability, normal distribution and correlation between the study variables. Also, Amos v 8 software has been used to examine the study hypotheses. Results of this study indicates an acceptance to four hypotheses related to influence of security, self efficacy, consciousness and simplicity continually. We reject one hypotheses related to relative advantages on banks customers toward E-payment services adoption. Finally, set of recommendations had been present throughout the study.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.001 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.004 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".