The role of perceived risk on intention to use online banking in Vietnam

2017 ◽  
Author(s):  
Thanh D. Nguyen ◽  
Tu C. H. Nguyen
Keyword(s):  
Perceived Risk ◽  
Online Banking ◽  
Intention To Use

The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking

2021 ◽  
pp. 717-744
Author(s):  
Long Pham ◽  
Stan Williamson ◽  
Cyrus Mohebbi ◽  
Binh Nguyen ◽  
Hien Nguyen
Keyword(s):  
Risk Factors ◽  
Commercial Banks ◽  
Perceived Risk ◽  
Perceived Value ◽  
Intention To Use ◽  
Mobile Banking ◽  
Convenience Sample ◽  
Mediating Role ◽  
The Relationship

This study examines which risk factors contribute most to perceived risk in Vietnam's mobile banking environment; explores the relationships among perceived risk, perceived value and intention to use mobile banking in Vietnam's mobile banking environment; and investigates any mediating role perceived value may have in the relationship between perceived risk and intention to use mobile banking in Vietnam's mobile banking environment. A convenience sample of 403 respondents who were customers of one of the largest joint stock commercial banks in Vietnam was used. The results of this study indicated that perceived risk is negatively related to intention to use mobile banking; that perceived value is positively associated with intention to use mobile banking; that perceived risk is negatively related to perceived value; and that perceived value plays a partial mediating role in the relationship between perceived risk and intention to use mobile banking.

scholarly journals The effect of web-related features on intention to use online banking of ATM users

2021 ◽  
Vol 5 (4) ◽  
pp. 629-640
Author(s):  
Khalid AL-Zu’bi
Keyword(s):  
Commercial Banks ◽  
Perceived Risk ◽  
Internet Banking ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Perceived Benefit ◽  
Intent To Use ◽  
Internet Banking Services ◽  
The Impact

This study aimed to determine the intention of ATM users in Jordan to use internet banking services by investigating the effect of web-related features on their intention to use internet banking. The study sample was randomly selected. The results indicated that the level of internet banking usage among employees who use the ATM service is still underutilized. Also, computer self-efficacy significantly mitigated the effect of perceived risk, website quality, and perceived benefit on customers' intent to use online banking but did not significantly mitigate the impact of perceived use and compatibility on customers' intent to use online banking. The results can be useful for commercial banks that have implemented online banking in all their applications or are planning to do so. The study also provides benefits to academic researchers interested in the topic researched, commercial banks, commercial bank customers.

Role of perceived risk in online banking and its impact on behavioral intention: trust as a moderator

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Simarpreet Kaur ◽  
Sangeeta Arora
Keyword(s):  
Behavioral Intention ◽  
Perceived Risk ◽  
Online Banking ◽  
Equation Modeling ◽  
Personal Contact ◽  
Alternative View ◽  
Content Type ◽  
The Impact ◽  
The Relationship

Purpose This paper aims to revisit the role of perceived risk in online banking, using an alternative view on trust as a moderator on the relationship between perceived risk and behavioral intention (BI). With this aim, the conceptual model was proposed to examine the impact of perceived risk on BI directly and indirectly via unified theory of acceptance and use of technology 2 along with its interactionist relationship with trust. Design/methodology/approach Structural equation modeling technique is used to analyze data collected from 677 bank customers via personal contact using a self-administered questionnaire. Findings The results indicate that perceived risk as a multi-dimensional construct has a direct and indirect impact on BI via performance expectancy, social influence, hedonic motivation and price value. Moreover, it was found that trust moderates the relationship between perceived risk and BI. Practical implications This study suggests that banks should create a trust-building mechanism in the online banking environment and develop certain risk management strategies such as providing detailed and thorough information, money-back guarantee and reassurance services to enhance confidence among the customers to use such services. The banks should also devote valuable efforts in designing website interface with improved security features to facilitate usability and reliability of online banking services. Originality/value The present study makes an important contribution to the existing literature on e-commerce, especially in the field of online banking, by proposing an interactionist model between perceived risk and trust. The proposed model has never been examined in the relevant literature and could be used to provide a solid theoretical foundation in the context of online banking adoption.

The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking

2019 ◽  
Vol 15 (4) ◽  
pp. 1-25
Author(s):  
Long Pham ◽  
Stan Williamson ◽  
Cyrus Mohebbi ◽  
Binh Nguyen ◽  
Hien Nguyen
Keyword(s):  
Risk Factors ◽  
Commercial Banks ◽  
Perceived Risk ◽  
Perceived Value ◽  
Intention To Use ◽  
Mobile Banking ◽  
Convenience Sample ◽  
Mediating Role ◽  
The Relationship

This study examines which risk factors contribute most to perceived risk in Vietnam's mobile banking environment; explores the relationships among perceived risk, perceived value and intention to use mobile banking in Vietnam's mobile banking environment; and investigates any mediating role perceived value may have in the relationship between perceived risk and intention to use mobile banking in Vietnam's mobile banking environment. A convenience sample of 403 respondents who were customers of one of the largest joint stock commercial banks in Vietnam was used. The results of this study indicated that perceived risk is negatively related to intention to use mobile banking; that perceived value is positively associated with intention to use mobile banking; that perceived risk is negatively related to perceived value; and that perceived value plays a partial mediating role in the relationship between perceived risk and intention to use mobile banking.

The role of consumer innovativeness and perceived risk in online banking usage

2009 ◽  
Vol 27 (1) ◽  
pp. 53-75 ◽  
Author(s):  
Joaquín Aldás‐Manzano ◽  
Carlos Lassala‐Navarré ◽  
Carla Ruiz‐Mafé ◽  
Silvia Sanz‐Blas
Keyword(s):  
Perceived Risk ◽  
Online Banking ◽  
Consumer Innovativeness

scholarly journals Prospects and challenges of Online Banking Services in Pakistan: A case Study of Karachi

2015 ◽  
Vol 10 (5) ◽  
pp. 2155-2167
Author(s):  
Zahid Hussain Kazi ◽  
Ghulam Murtaza Maitlo ◽  
Dr.Ambreen Khaskheley ◽  
Faiz M.Shaikh
Keyword(s):  
Perceived Risk ◽  
Reliability And Validity ◽  
Internet Banking ◽  
Study Data ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Factors Affecting ◽  
Independent Variable

The current research investigates Prospects and challenges  of Online Banking Services in Pakistan: A case Study of Karachi.Data were collected from 400 respondent using online banking practices in Karachi Sindh-Pakistan by using simple random technique. A structural Questionnaire was developed for the reliability and validity of data.In this study data of independent variable and dependent variable were collect from the customers of different banks of Karachi.It was revealed that the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. 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

scholarly journals The Impact of Force Factors on the Benefits of Digital Transformation in Romania

2021 ◽  
Vol 11 (5) ◽  
pp. 2365
Author(s):  
Sorinel Căpușneanu ◽  
Dorel Mateș ◽  
Mirela Cătălina Tűrkeș ◽  
Cristian-Marian Barbu ◽  
Adela-Ioana Staraș ◽  
...  
Keyword(s):  
Perceived Risk ◽  
Industry 4.0 ◽  
Business Models ◽  
Structural Model ◽  
Digital Transformation ◽  
Sample Survey ◽  
Intention To Use ◽  
Online Questionnaire ◽  
Use Of Technology ◽  
The Impact

The digital transformation has produced changes in all existing areas of activity worldwide. There are many factors that can influence the intention to use Industry 4.0 processes and solutions and change the behavior of organizations and their business models. The aim of this study is to validate the econometric model on assessing the significant impact of distinct factors on the intention to use Industry 4.0 processes and solutions, the benefits of digital transformation perceived by organizational management and the differences between distinct groups analyzed. The research method used within the quantitative study was the sample survey, using the online questionnaire as a data collection tool. Three hundred forty-seven valid questionnaires were collected and the response rate of the respondents was 64.25%. A new structural model was generated based on the elements of the Unified Theory of Acceptance and Use of Technology (UTAUT). The results of the study indicated that Perceived competitiveness and Perceived risk have a significant impact on Intention to Use Industry 4.0 processes while Perceived vertical networking solutions and Perceived integrated engineering solutions have a significant influence on the Intention to Use Industry 4.0 solutions. In conclusion, there is a positive and significant association between Intention to Use Industry 4.0 solutions and Benefits of Digital Transformation.

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