Yousafzai, Shumaila  ORCID: https://orcid.org/0000-0002-9136-4947, Pallister, John Gordon and Foxall, Gordon Robert ORCID: https://orcid.org/0000-0002-3572-6456
2003.
A proposed model of e-trust for electronic banking.
Technovation
23
(11)
, pp. 847-860.
10.1016/S0166-4972(03)00130-5
|
Abstract
With the phenomenal growth of B2C e-commerce, most industries including banking and financial services sector have been influenced, in one way or another. Several studies suggest that customers have not adopted B2C e-commerce in the same degree primarily because of risk concerns and trust-related issues. This paper extends an area of information systems research into a marketing of financial services context by looking into the element of trust and risk in e-banking. A conceptual model of trust in e-banking is proposed with two main antecedents that influence customer’s trust: perceived security and perceived privacy. The antecedent variables are moderated by the perceived trustworthiness attributes of the bank, which includes benevolence, integrity and competence. Trust is being defined as a function of the degree of risk involved in the e-banking transaction, and the outcome of trust is proposed to be reduced perceived risk, leading to positive intentions towards adoption of e-banking.
| Item Type: | Article |
|---|---|
| Date Type: | Publication |
| Status: | Published |
| Schools: | Schools > Business (Including Economics) |
| Uncontrolled Keywords: | Electronic banking; Trust; Perceived risk |
| ISSN: | 01664972 |
| Last Modified: | 01 Dec 2022 10:47 |
| URI: | https://orca.cardiff.ac.uk/id/eprint/2714 |
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