Factors Affecting the E-Banking User Acceptance in Jomhouria Banks in Libya

The paper focused on investigating the impact of factors that are believed to have a great effect on e- banking user acceptance in Jumhouria Bank, one of the biggest banks in Libya. The research will try to find out the reasons behind the reluctance of e-banking usage among customers in ten branches of Jumhouria banks in different four cities. The previous studies made in studying the factors affecting e-banking user acceptance in Libyan banks in general are considered low, the researcher focused on results of these few studied made on Libyan banks in addition of other studies made in other countries to try to identify and extract the important factors affecting banking in general. The findings of study will be used in the future to benefit both the bank and the customers. These findings shows that there is a significant relationship between the study independent variables which are: Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Perceived Information Technology Beliefs (PITB), Task Technology Fit (TTF), Website Features (WF) and Website Security (WS) on the dependent variable E-Banking User Acceptance (EUA) by using Intention to Use the technology (IU) as a Mediator variable. These findings shows that five hypotheses were supported and variables achieved P- value between 0.000 to 0.005 and one hypothesis was not supported.