“…The present study indicates that, as trust plays a considerable role in the consumer's use intention (DIMITRIADIS; KYREZIS, 2010;ZHOU, 2011b;MONTEZEMI;SAREMI, 2015;WANG et Al, 2015), banks should encourage the creation and maintenance of trust, such as privacy and security policies for the application (LUARN; LIN, 2005;ZHOU, 2011b;HANAFIZADEH et al, 2012).…”