Dimensionality of Perceived Risk and Its Impact on Internet Banking Adoption: An Empirical Investigation

Kesharwani, Ankit; Tripathy, Trilochan

doi:10.1080/15332969.2012.662461

Cited by 29 publications

(42 citation statements)

References 43 publications

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“…In a study that applied the Theory of Planned Behavior (TPB), Bhatt (2011) examined customer trust (TR) in IB services and found that customer intention to adopt IB was influenced by perceived behavioral control, customer attitude (AT), and subjective norm (SN). By modifying TAM, Kesharwani & Tripathy (2012) proved that self-efficacy and perceived risk contribute a significant impact on the behavior of using IB. Following that, Varaprasad et al (2013) also add several variables such as perceived risk, relative advantage, and attention.…”

Section: Theoretical Backgroundmentioning

confidence: 99%

“…It is found that perceived usefulness (PU), perceived ease of use (PEU), perceived risk, and relative advantage are important factors in determining IB adoption. With the TAM modification theory, Kesharwani & Tripathy (2012) also found that PEU, PU, perceived risk, and social influence have a significant positive impact on customer intention in adopting IB services (Kalaiarasi & Srividya, 2013).…”

Section: Theoretical Backgroundmentioning

confidence: 99%

“…Besides, several studies have found that PEU of IB will enhance customer intention to use various transactions (Abbad, 2013). Customers find it easy to use IB if the IB menu is uncomplicated, easy to remember, and based on the customer needs (Alalwan et al, 2018;Kesharwani & Tripathy, 2012). Based on the previous literature, the proposed hypothesis is as follows:…”

Section: Perceived Ease Of Use (Peu)mentioning

confidence: 99%

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The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

Sudarsono¹,

Nugrohowati²,

Tumewang³

2020

JAFEB

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This study aims to examine the effect of perceived usefulness (PU), perceived ease of use (PEU), trust (TR), subjective norm (SN), and attitude (AT) on customer's Intention to Adopt Internet Banking (IAIB) at Islamic banks and conventional banks before and during the Covid-19 pandemic in Indonesia. The research model is based on the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). This study involves 213 respondents for Islamic banks and 410 respondents for conventional banks from 25 provinces in Indonesia. Data was analyzed using partial least square (PLS) regression with the Structural Equation Model (SEM) method. The result of data analysis confirms several hypotheses taken from the literature. The results before the Covid-19 pandemic showed that AT and SN influence IAIB in Islamic banks. Whereas in conventional banks, AT, PU, SN, and TR influence IAIB. While during the Covid-19 pandemic, it shows that the AT, PU, IB, SN, and customer TR influence IAIB in Islamic banks and conventional banks. From the analysis, it was found that the PEU variable did not have a significant effect on the intention of customers of Islamic banks and conventional banks to use Internet banking.

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Section: Theoretical Backgroundmentioning

confidence: 99%

Section: Theoretical Backgroundmentioning

confidence: 99%

Section: Perceived Ease Of Use (Peu)mentioning

confidence: 99%

See 1 more Smart Citation

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

Sudarsono¹,

Nugrohowati²,

Tumewang³

2020

JAFEB

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“…Moreover, fraud and financial crimes through virtual platforms have been on the increase thus hurting the economy and business operators [4] [5]. In a research study by McAfee, the firm estimated that the global economy is losing over 445 billion dollars due to cybercrimes every year.…”

Section: Statement Of the Problemmentioning

confidence: 99%

Strengthen of Cybersecurity in the Organizations: Challenges and Solutions

Alarifi¹

2019

IJCA

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The adoption of technological resources in organizational functions reflects the changes in the nature of interactions in society. Business communication involves interactions meant to realize organizational functions such as supply, marketing, logistics, and sales, among others non-business functions. The utilization of technological resources in organizations is inevitable in the current environment. This is made possible by the advancement in technologies such as the Internet and communication devices. The paper examines the challenges and solutions related to cybersecurity. The vice has been prevalent in recent times; with companies making huge losses on finances and data. The proposed holistic solutions will require close cooperation between public, organizations, and government to stimulate the chances of success.

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“…The most noted influential factors affecting the internet banking usage include apparent usefulness and professed ease of use (Kesharwani & Tripathy, 2012). Fraud has evolved from being perpetrated by casual fraudsters to being committed by well thought-out crime and fraud rings that use classy ways to take over control of accounts and commit fraud.…”

Section: Introduction mentioning

confidence: 99%

Financial consumer protection: internet banking fraud awareness by the banking sector

Dzomira¹

2016

Banks and Bank Systems

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This paper examines internet banking fraud awareness by the banking sector in Southern Africa as financial consumers' protection. The study is grounded on routine activity theory and criminology theory. A qualitative content analysis research technique was used for examination of the text content data through the consistent nomenclature process of coding and classifying themes or patterns to proffer a meticulous considerate of internet banking fraud awareness in the banking sector. The findings suggest that internet fraud awareness to the general public through website is very low by many Southern Africa banks. Most of the banks disclose less than half of the identified internet banking fraud awareness to the general public on their websites. Although some banks have internet fraud information on internet banking applications, however, the authentic efficacy of this information is tentative. This proposes that most of the financial customers engage internet banking transactions without sufficient awareness on potential internet threats and attacks. There is, consequently, high likelihood of financial consumers being internet banking fraud victims.

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Dimensionality of Perceived Risk and Its Impact on Internet Banking Adoption: An Empirical Investigation

Cited by 29 publications

References 43 publications

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

Strengthen of Cybersecurity in the Organizations: Challenges and Solutions

Financial consumer protection: internet banking fraud awareness by the banking sector

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