تحليل نموذج UTAUT لتبنّي التحوّل الرقمي الإلزامي في البنك الزراعي المصري: التأثيرات المُعدِّلة للعمر والتعليم UTAUT Model Analysis of Mandatory Digital Transformation Adoption in the Agricultural Bank of Egypt: Moderating Effects of Age and Education. | ||
| مجلة تكنولوجيا العلوم الإنسانية والإدارية | ||
| Volume 2, Issue 6, November 2025, Pages 312-342 PDF (1.21 M) | ||
| Document Type: المقالة الأصلية | ||
| DOI: 10.21608/tssa.2025.438099.1012 | ||
| Authors | ||
| Ghada Nabil* 1; Reham El badawy2 | ||
| 1Egyptian Russian University, Egypt | ||
| 2Canadian International College (CIC), Egypt | ||
| Abstract | ||
| Aligned with Egypt’s Vision 2030 for digital transformation in the public sector, this study investigates the determinants of employees’ adoption of digital transformation technologies in the Agricultural Bank of Egypt (ABE) using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. The research explores both direct and indirect effects of performance expectancy, effort expectancy, social influence, and facilitating conditions on adoption, while examining the moderating roles of age and education. A quantitative approach was applied using data collected from 563 employees through a structured questionnaire, and the proposed model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that performance expectancy and social influence significantly and positively affect behavioral intention and actual adoption, whereas effort expectancy was found to be non-significant. Facilitating conditions emerged as a strong determinant of actual adoption. Furthermore, age and education significantly moderate several relationships: age strengthens the influence of social and effort expectancy, while higher education reduces the effect of effort expectancy but enhances the role of social influence. The study contributes theoretically by extending the UTAUT model to a mandatory use, public banking context. Practically, by providing actionable insights to enhance employee readiness, digital training, and engagement السابقالتالي الصفحة الرئيسية • عن الدورية © نظام إدارة المجلات. صمم بواسطة نوشن ویو Aligned with Egypt’s Vision 2030 for digital transformation in the public sector, this study investigates the determinants of employees’ adoption of digital transformation technologies in the Agricultural Bank of Egypt (ABE) using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. The research explores both direct and indirect effects of performance expectancy, effort expectancy, social influence, and facilitating conditions on adoption, while examining the moderating roles of age and education. A quantitative approach was applied using data collected from 563 employees through a structured questionnaire, and the proposed model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that performance expectancy and social influence significantly and positively affect behavioral intention and actual adoption, whereas effort expectancy was found to be non- significant. Facilitating conditions emerged as a strong determinant of actual adoption. Furthermore, age and education significantly moderate several relationships: age strengthens the influence of social and effort expectancy, while higher education reduces the effect of effort expectancy but enhances the role of social influence. The study contributes theoretically by extending the UTAUT model to a mandatory use, public banking context. Practically, by providing actionable insights to enhance employee readiness, digital training, and engagement strategies in line with Egypt’s demographic diversity and national digital transformation goals. | ||
| Keywords | ||
| Education; Agricultural Bank of Egypt; Mandatory Adoption | ||
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