Explaining intention to use mobile banking: integrating perceived risk and trust into the technology acceptance model

Van, Ha Nguyen; Pham, Long; Williamson, Stan; Chan, Ching Yuen; Thang, Tran Duc; Nam, Vu Xuan

doi:10.1504/ijads.2021.112933

Cited by 15 publications

(9 citation statements)

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“…Performance risk pertains to factors that can affect the efficiency of mobile payment from the users' perspective (Kamboj et al 2024; Van et al 2021). It typically includes situations such as the following: (1) system failures due to slow wireless Internet speeds, server downtime, or maintenance phases; (2) failure to meet customers' expectations and requirements regarding the functionality and convenience of mobile payment; and (3) discrepancies between mobile payment service providers' advertising claims and users' actual experiences (Ha et al 2024).…”

Section: Performance Riskmentioning

confidence: 99%

Investigating the Components of Perceived Risk Factors Affecting Mobile Payment Adoption

Bland,

Changchit,

Changchit

et al. 2024

JRFM

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As smartphone ownership rapidly expands, mobile payment options are gaining popularity due to the portability and convenience they offer. This study examines attitudes towards adopting mobile payment, focusing on the component risk, which consists of multiple dimensions including performance, financial, time, psychological, and social risks. The study uses a quantitative approach, collecting data through a survey distributed to mobile payment users, with 361 respondents in the United States. The survey instrument includes measures of performance and psychological risk, as well as attitudes towards mobile payment acceptance. Data analysis using SPSS 25.0 and AMOS 24.0 reveals that both performance and psychological risk significantly negatively impact attitudes towards mobile payment acceptance, underscoring the importance of mobile payment service providers implementing effective risk management policies to improve users’ positive attitudes towards their platforms.

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Section: Performance Riskmentioning

confidence: 99%

Investigating the Components of Perceived Risk Factors Affecting Mobile Payment Adoption

Bland,

Changchit,

Changchit

et al. 2024

JRFM

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“…The convenience of accessing and transacting online reduces transaction time. Convenience is essential to encourage the usage of the internet and mobile banking (Lin et al, 2020;Shankar & Rishi, 2020;Van et al, 2021).…”

Section: Internet and Mobile Bankingmentioning

confidence: 99%

“…In addition to banking security, users' attitudes and demographic properties also significantly affect the acceptance of mobile banking usage (Van et al, 2021). Users' trust in the banks' ability to promptly process their financial instructions online is positively and significantly related to the intention to use mobile banking.…”

Section: Internet and Mobile Bankingmentioning

confidence: 99%

Empirical analysis of internet and mobile banking in Malaysia

Ong

Jaffar

Yap

et al. 2023

5002

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Internet and mobile banking deliver banking services through various cashless payment tools, such as debit and credit cards, direct transfers and electronic wallets. The usage of internet and mobile banking in Malaysia has increased, but it is uncertain if they facilitate retail consumption. If internet and mobile banking are the preferred banking services, their usage could stimulate retail consumption; otherwise, their usage will be short-lived and more work must be done to develop the internet and mobile banking sector. This study aims to determine the influence of internet and mobile banking on retail consumption in Malaysia. The diffusion of innovation theory is applied by examining how technologically aids cashless payment systems and how internet and mobile banking might facilitate retail consumption. The short-run and long-run influences of internet banking and mobile banking are analyzed based on the autoregressive distributed lag (ARDL) unrestricted error correction model. The ARDL unrestricted error correction model was estimated for retail consumption, represented by the monthly retail trade index, and internet banking and mobile banking are represented by the number of monthly internet and mobile transactions. The results suggest a bi-directional causal relationship between retail consumption and internet banking in the short run. In the long run, the internet and mobile banking transactions were found to significantly facilitate household retail consumption, but not vice versa.

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“…Under the e-commerce setting, consumers interact with an online system, the review systems are considered information systems (Changchit et al, 2020), and thus, an analysis of factors affecting intention to use online consumer reviews can be based on the technology acceptance model (TAM). In the TAM, two important factors, perceived usefulness and perceived ease of use, influence intention to use a new technology (Cheung et al, 2008;Davis, 1989;Van et al, 2021). Perceived usefulness can be seen as perceived value or helpfulness of online consumer reviews (Willemsen et al, 2011) and plays an important role in driving consumer purchasing decision (Duan et al, 2008).…”

Section: Literature Review and Theoretical Foundationsmentioning

confidence: 99%

Factors Influencing Intention to Use Online Consumer Reviews

Pham

Klaus

Changchit

2023

Journal of Global Information Management

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Online consumer reviews have been shown to play an important role that can influence consumers' attitudes, behaviors, and purchasing decisions. This study seeks to understand factors that affect user intention to use online consumer reviews. To examine this area, this paper theorizes multiple constructs that may influence intention to use. The subjects in this study were 466 online Vietnamese consumers. The data were analyzed using structural equation modeling, and five of the seven hypotheses were found to be significant. This study found several results not found in prior studies. The construct perceived online review importance is found to be important in influencing intention to use online reviews. Both perceived usefulness and perceived credibility influenced consumers' perceptions on the importance of online reviews. The study findings contribute to the research field of online consumer reviews and provide new insights into intention to use online consumer reviews for a developing country, different from prior studies that have focused on developed countries.

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Explaining intention to use mobile banking: integrating perceived risk and trust into the technology acceptance model

Cited by 15 publications

References 0 publications

Investigating the Components of Perceived Risk Factors Affecting Mobile Payment Adoption

Investigating the Components of Perceived Risk Factors Affecting Mobile Payment Adoption

Empirical analysis of internet and mobile banking in Malaysia

Factors Influencing Intention to Use Online Consumer Reviews

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