This thesis examines the effects of Culture, the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation Confirmation Theory (ECT) and Technology Readiness (TR) on the satisfaction and usage continuance intention of Internet banking customers within the Saudi Arabian context. The aim is to develop and test a new framework for use in determining the factors that affect Internet banking customers’ actual usage behaviours, with a special focus on the role of cognitive processes, and cultural and personal psychological traits. This research uses cross-sectional survey questionnaire methods within a quantitative approach. 261 valid responses were received. Structural Equation Modelling (SEM) was used to test the hypothesised relationships within the research model in Analysis of Moment Structures (AMOS 20) software. ECT is well established in conventional marketing literature and explains how cognitive beliefs and affects lead to customers’ repurchasing behaviour. It was first adopted for the Information Systems (IS) context and then customised to explain IS continuance intention behaviour. However, previous ECT customisations in the IS context present a significant knowledge gap because technology-based services are sensitive to individuals’ psychological traits, which ECT does not account for. This research integrates psychological traits and culture into the ECT framework to explain customer satisfaction and continuance intentions in the context of Internet banking usage. It combines ECT with the UTAUT in order to expand ECT to include more cognitive beliefs. Then it integrates TR and Culture to account for psychological and sociological traits. The results present a new contribution to the body of knowledge by validating a theoretically backed integration of the above models into one structural model. This model broadens the understanding of the factors that influence IS satisfaction and usage continuance intention. Compared to previous studies, the explanatory power of this model is a major improvement, with an R2 of (0.61) for usage continuance intention.

Intelligent conversational agents (ICAs) are artificial intelligence (AI)-enabled systems that can communicate with humans through text or voice using natural language. The first ICA, “Eliza,” appeared in 1966 to simulate human conversation using pattern matching. Commercial ICAs appeared on the AOL and MSN platforms in 2001 and aided in developing advanced AI and Human-Computer Interaction (HCI). Since then, ICAs have progressively appeared in consumer products and services. Their success depends on the user’s experience and attitude towards these services. This research examines customer attitudes towards ICAs through a theoretical framework of integrated Expectation Confirmation Theory (ECT) and Task Technology Fit Theory (TTF). By exploring user experience via an experiment that engages end-users with ICA’s different functions and tasks, this study examines user perception of ICA’s AI capabilities, such as Conversation Ability, Friendliness, Intelligence, Responsiveness, Task Performance, and Trust. This research investigates how customer satisfaction with ICA capabilities and perceived task technology fit influence their intention to use ICAs. A field survey of 380 Canadian end-users utilizing ICAs on the websites of five large Canadian telecom service providers enabled empirical testing of the model. / Thesis / Doctor of Philosophy (PhD)