Exploring Electronic Cheque Clearing Systems Acceptance by Jordanian Commercial Banks: A Theoretical Integration of Technology Acceptance Model, User Satisfaction and Delone and Mclean Model

This study provides a structure for understanding ECCS success. The study argues that using user satisfaction as surrogate indicator for measuring the success of ECCS has some theoretical difficulties. In similar vein, using the technology acceptance model (TAM) alone may not be sufficient to adequately capture the full meaning of effectiveness or the success of these. It posits that ECCS success is a joint function of system and information characteristics and acceptance. The study population consists of ECCS users from the central bank of Jordan and 24 commercial banks in Jordan. A convenience sample was drawn from ECCS users from the central bank of Jordan and 11 commercial banks, whereas 304 valid questionnaires were collected out of 420 distributed questionnaires. Collected data were statistically analyzed using SPSS package to investigate the relationship between dependent variable ECCS users satisfaction and independent variables: ECC system quality, ECCS information quality, ECCS perceived ease of use and ECCS perceived usefulness. On the other hand, the relationship significance between the dependent variable ECC system success and using ECCS users satisfaction as an independent variable was investigated. The main study conclusions were that ECCS success is positively associated with ECCS users satisfaction which is positively associated with the independent variables mentioned earlier. The major study recommendation is that the business sector should pay attention to the major role of users attitudes in determining the success of information systems application. The importance of future investigation on the perceived value of ECCS by banks customers is also emphasized. Keywords: .