Perceived risk and e-banking services: An analysis from the perspective of the consumer

Cunningham, Lawrence F.; Gerlach, James H.; Harper, Michael S.

doi:10.1057/palgrave.fsm.4770183

Cited by 85 publications

(52 citation statements)

References 24 publications

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“…The prior internet knowledge ware measured using six items that were almost identical to the item used by Walfried M. et al (2005). The measure of convenience and perception of security was almost identical to the measure applied by Cunningham et al (2005). The perceived risk construct using five items were adopted from Fang He et al (2007).…”

Section: Research Methodsology 31 Survey Designmentioning

confidence: 99%

Factors Influencing the Adoption of Internet Banking in Tunisia

Nasri¹

2011

IJBM

114

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The purpose of this paper is to determine those factors that influence the adoption of internet banking services in Tunisia. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of internet banking. A total of 253 respondents in Tunisia were sampled for responding: 95 were internet bank users, 158 were internet bank non users. Factor analyses and regression technique are employed to study the relationship.The results of the model tested clearly that use of internet banking in Tunisia is influenced most strongly by convenience, risk, security and prior internet knowledge. Only information on online banking did not affect intention to use internet banking service in Tunisia. The results also propose that demographic factors impact significantly internet banking behaviour, specifically, occupation and instruction. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market.

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Section: Research Methodsology 31 Survey Designmentioning

confidence: 99%

Factors Influencing the Adoption of Internet Banking in Tunisia

Nasri¹

2011

IJBM

114

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“…Asymmetry of information in online banking and the lack of personal communication prevent testing the service in a correct manner and lowers confidence (Littler and Melanthiou, 2006). That is why some banks try to transfer correct information through special websites and let them try such services before using those (Cunningham et al, 2005). By this one can assume that:…”

Section: Ajasmentioning

confidence: 99%

CONSUMERSâ PERCEIVED RISK AND ITS EFFECT ON ADOPTION OF ONLINE BANKING SERVICES

Farzianpour¹,

Pishdar²,

Shakib³

et al. 2014

American Journal of Applied Sciences

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Although online banking services have gained a lot of attention, many consumers are still not willing to use them. Since online banking services can be a competitive advantage for banks, it is useful to know the core factors affecting the use of online banking services. This study sheds light on different aspects of consumers' perceived risk to analyses the influence of total perceived risk and consumers' willingness to embrace innovation on online banking services adoption. Results of the study show that the consumer's total perceived risk and willingness to accept innovation both have a direct effect on online banking services adoption, while willingness to adopt innovation has no significant influence on the consumer's total perceived risk. Meanwhile, it seems that social perceived risk cannot increase the consumer's total perceived risk. Beside these, the extent of other consumers' perceived risks is forecasted by the execution of a neural network. This forecasting helps to understand whether other consumers that have same feeling as members of study society are willing to adopt online banking services or not.

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“…The main issues of online purchasing are privacy of personal information and safety of online payments (Cunningham et al, 2005). Privacy problem has been shown to have a negative relation with online shopping behavior and it denies customers from shopping online (Doolin et al, 2005).…”

Section: Online Risk Studiesmentioning

confidence: 99%

Relationship Among E-Service Quality, Culture, Attitude, Trust, Risk of Online Shopping

Al-Nasser¹,

Yusoff²,

Islam³

et al. 2014

Journal of Social Sciences

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Purchasing is considered a risky business specifically in the online purchasing environment. The research was designed to fill the gap in the existing body of knowledge regarding attitudes and differences in electronic service quality perception between two different geographical and cultural countries-Malaysia and Saudi Arabia-regarding online shopping. Specifically, this research extended previous effort done in an online shopping context by providing evidence that high service quality increase consumers' trust perception, which in turn results in favorable attitude toward online shopping, with risk perception on consumer's trust. Findings indicated differences between Saudis and Malaysians in e-service quality perception. Also attitude toward online shopping was affected by e-service quality perception, but it had mediated effects through trust. Finally, researcher found that perceived risk moderated the relationship between e-service quality and trust. The findings provide practical suggestions for managers on how to develop consumer trust online and enhance purchase attitude even when customers have high risk perception. E-service quality should strongly influence trust for individuals with a higher perceived risk associated with online purchase in comparison to those with a lower perceived risk.

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Perceived risk and e-banking services: An analysis from the perspective of the consumer

Cited by 85 publications

References 24 publications

Factors Influencing the Adoption of Internet Banking in Tunisia

Factors Influencing the Adoption of Internet Banking in Tunisia

CONSUMERSâ PERCEIVED RISK AND ITS EFFECT ON ADOPTION OF ONLINE BANKING SERVICES

Relationship Among E-Service Quality, Culture, Attitude, Trust, Risk of Online Shopping

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Perceived risk and e-banking services: An analysis from the perspective of the consumer

Cited by 85 publications

References 24 publications

Factors Influencing the Adoption of Internet Banking in Tunisia

Factors Influencing the Adoption of Internet Banking in Tunisia

CONSUMERSâ PERCEIVED RISK AND ITS EFFECT ON ADOPTION OF ONLINE BANKING SERVICES

Relationship Among E-Service Quality, Culture, Attitude, Trust, Risk of Online Shopping

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Product

Resources

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CONSUMERSâ PERCEIVED RISK AND ITS EFFECT ON ADOPTION OF ONLINE BANKING SERVICES