Title: Understanding the determinants of cloud-based electronic banking system acceptance in the Jordanian banking sector

Authors: Belal Abuata; Ana'm Abdullah

Addresses: Department of Information Technology, Yarmouk University, 21163, Irbid, Jordan ' Department of Information Technology, Yarmouk University, 21163, Irbid, Jordan

Abstract: Recently, cloud banking adoption has globally increased due to restrictions forced by the coronavirus (COVID-19) pandemic. Despite the benefits of adopting cloud banking services and applications, few studies have been conducted to examine the cloud banking adoption factors in developing countries, especially in Jordan. Therefore, this study proposes a new paradigm by integrating the IS success model and the UTAUT model with two external factors: cloud security and top management support. This research was done using a cross-sectional survey in Jordanian local banks. A total of 137 IT managers and IT staff participated in this study. The IBM SPSS version 23 and the SmartPLS version 2.0 were employed to test the research model. The findings of this research give important insight to decision-makers in Jordanian banks and cloud vendors in developing appropriate strategies to ensure the successful acceptance of cloud banking in Jordan.

Keywords: cloud banking adoption; cloud-based e-banking system; UTAUT model; IS success model; banking sector; Jordan.

DOI: 10.1504/IJBIS.2026.152780

International Journal of Business Information Systems, 2026 Vol.51 No.4, pp.453 - 477

Received: 07 Jul 2021
Accepted: 26 Jun 2022
Published online: 13 Apr 2026 *

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