The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran

Khedmatgozar, Hamid Reza; Shahnazi, Arezoo

doi:10.1007/s10660-017-9253-z

Cited by 57 publications

(63 citation statements)

References 36 publications

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“…Interestingly, however, Lafraxo et al (2018) ascertained that perceived risk did not affect intention. In another study, Khedmatgozar & Shahnazi (2018) found that there was significant relationships between a set of perceived risk variables and intention to adopt Internet banking by the corporate clients. Sathye (1999) assessed the adoption of Internet banking by customers and identified lack of awareness and security concerns as the main obstacles to adopt Internet banking.…”

Section: Perceived Riskmentioning

confidence: 95%

“…Among those variables, perceived usefulness and perceived ease of use, as the original variables of TAM have consistently demonstrated their significant effects on intention theoretically and practically (Ariff et al, 2012;Al-Sharafi et al, 2017). Moreover, the literature affirms the important role of perceived system quality, perceived cost and perceived risk variables in adoption of information technology system (Chansaenroj & Techakittiroj, 2015;Khedmatgozar & Shahnazi, 2018;Namahoot & Laohavichien, 2015). Mixed findings have been obtained in previous studies pertaining to the influence of these three factors on intention.…”

Section: Introductionmentioning

confidence: 95%

“…The past studies revealed that the impact of many variables on behavioural intention (Fadare, 2016;Khedmatgozar & Shahnazi, 2018). Among those variables, perceived usefulness and perceived ease of use, as the original variables of TAM have consistently demonstrated their significant effects on intention theoretically and practically (Ariff et al, 2012;Al-Sharafi et al, 2017).…”

Section: Introductionmentioning

confidence: 99%

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Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Jantan

Ali

et al. 2019

JIBM

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Internet banking experience varies across different situations in various countries and, in turn, generate dissimilar attitudes and behaviours of banking customers. One region that is experiencing difficulties related to Internet banking and where bank managers remain unsuccessful in persuading bank customers to adopt Internet banking is Iraqi Kurdistan Region (IKR). To enhance the extant knowledge of the reasons behind this issue, the current research focused on identifying the determinants of Internet banking adoption in IKR and sought to investigate the effect of benefit factors (perceived usefulness, perceived ease of use, and perceived system quality) and sacrifice factors (perceived cost and perceived risk) on behavioural intention to use and, in turn, actual use of internet banking in IKR. To achieve this aim, this research conceptualized a model inspired by Technology Acceptance Model (TAM). The study conducted a quantitative approach and used a self-administrated questionnaire as the research instrument. Data were collected from 412 respondents. Structural Equations Modelling (SEM) was applied as the suitable inferential analytical method for analysing the data. The results generated revealed the significant role of perceived usefulness, perceived ease of use, perceived system quality and perceived risk on behavioural intention to use Internet banking. This research theoretically and practically contributed to knowledge through clarifying the perception of bank customers toward adopting Internet banking in IKR and revealing the importance of benefit and sacrifice factors in explaining behavioural intention to use Internet banking. Keywords: Benefit Factors, Sacrifice Factors, Internet Banking Adoption.

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Section: Perceived Riskmentioning

confidence: 95%

Section: Introductionmentioning

confidence: 95%

Section: Introductionmentioning

confidence: 99%

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Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Jantan

Ali

et al. 2019

JIBM

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“…Financial risk refers to the property damage caused by consumers' concerns about product yield rate or other carelessness, and privacy risk refers to the risk that personal data, transaction data, and other privacy information are disclosed when consumers choose internet financial products. Khedmatgozar et al believed that the degree of risk perception is the most important factor affecting the adoption of e-services [57]. Bansal et al insisted that users are most worried about the misuse of personal information when using Fintech services, which will lead to more serious consequences.…”

Section: Perceived Riskmentioning

confidence: 99%

Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model

et al. 2019

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Along with the development of Fintech, many scholars have studied how information technology is applied to financial services with a focus on extended methods for application. Few scholars have studied the influence mechanism behind the adoption of Fintech services. This paper proposes an improved technology acceptance model (TAM) that incorporates user innovativeness, government support, brand image, and perceived risk as determinants of trust to investigate how users adopt Fintech services. We designed a questionnaire, sent it to active customers of the Hefei Science and Technology Rural Commercial Bank, and obtained 387 eligible responses. We analyzed the data with a structural equation model (SEM) to test the hypotheses, including the relationships of all latent variables. The results reveal that users’ trust in Fintech services has a very significant influence on users’ attitudes for adoption. In addition, perceived ease of use and perceived risk does not affect users’ attitudes toward the adoption regarding Fintech services. This study contributes to the literature of the adoption of Fintech services by providing a more comprehensive view of the determinants of users’ attitudes by combining trust of Fintech services with TAM.

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“…IT developments have improved the cost-effectiveness of banks, especially in transaction banking activities. Beijnen and Bolt (2009), Schmiedel, Malkamäki, and Tarkka (2006), Li and Marinč 2017 First, mobile and online banking allows for continuous availability of bank products and services without geographic limitations (Martins, Oliveira, andPopovič, 2014, Khedmatgozar andShahnazi, 2017) increasing bank profitability (Ciciretti, Hasan, and Zazzara, 2009;DeYoung, Lang, and Nolle, 2007). Is online and mobile banking disrupting the role of a bank branch network-a core access channel for relationship banking?…”

Section: How Far Can You Be For Relationship Banking?mentioning

confidence: 99%

Relationship Banking and Information Technology: The Role of Artificial Intelligence and Fintech

Jakšič

Marinč

2017

SSRN Journal

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The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran

Cited by 57 publications

References 36 publications

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model

Relationship Banking and Information Technology: The Role of Artificial Intelligence and Fintech

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