Impact of Perceived Risk on Mobile Banking Usage Intentions: Trust as a Mediator and a Moderator

Van, Ha Nguyen; Pham, Long; Williamson, Stan; Huong, Vu Thanh; Hoa, Pham Xuan; Trang, Pham Lam Hanh

doi:10.1504/ijbem.2020.10027345

Cited by 2 publications

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“…Studies like Internet banking (Kesharwani and Singh Bisht, 2012), Mobile banking (Samartha et al, 2022) have been widely studied using the UTAUT-2 model. Previous studies used UTAUT and UTAUT-2 models (Alalwan et al, 2017) to help assess user intentions in e-healthcare (Ben Arfi and Hikkerova, 2019), mobile banking (Pham et al, 2020), online shopping behaviour (Matsuoka, 2018), self-service technology, and restaurant industry (Jeon et al, 2011). UTAUT-2 has been utilised in predicting consumers' buying behaviour in a variety of contexts, including advanced driver assistance systems (Jun et al, 2019), IPV6 Adoption (Alghatrifi and Khalid, 2019), Mobile-LMS (Ikhsan et al, 2021), and Travel Mobile Application (Indrawati and Amalia, 2019).…”

Section: Neobanking Adoption Studymentioning

confidence: 99%

Neobanking adoption – An integrated UTAUT-3, perceived risk and recommendation model

Bhatnagr

Rajesh

2023

SAJM

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PurposeThe authors aim to study a conceptual model based on behavioural theories (UTAUT-3 model) to evaluate the adoption, usage and recommendation for neobanking services in India.Design/methodology/approachThe authors propose this model based on the UTAUT-3 integrated with perceived risk constructs. Hypotheses were developed to determine the relationships and empirically validated using the PLSs-SEM method. Using the survey method, 680 Delhi NCR respondents participated in the survey.FindingsEmpirical results suggested that behavioural intention (BI) to usage, adoption and recommendation affects neobanking adoption positively. The research observed that performance expectancy (PE), effort expectancy (EE), perceived privacy risk (PYR) and perceived performance risk (PPR) are the essential constructs influencing the adoption of neobanking services.Research limitations/implicationsLimited by geographic and Covid-19 constraints, a cross-sectional study was conducted. It highlights the BI of neobanking users tested using the UTAUT-3 model during the Covid-19 period.Originality/valueThe study's outcome offers valuable insights into Indian Neobanking services that researchers have not studied earlier. These insights will help bank managers, risk professionals, IT Developers, regulators, financial intermediaries and Fintech companies planning to invest or develop similar neobanking services. Additionally, this research provides significant insight into how perceived risk determinants may impact adoption independently for the neobanking service.

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Section: Neobanking Adoption Studymentioning

confidence: 99%

Neobanking adoption – An integrated UTAUT-3, perceived risk and recommendation model

Bhatnagr

Rajesh

2023

SAJM

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Online Retailer Reputation, Satisfaction, and Trust as Catalysts in the Consumer Perceptions of Ethics on Online Retailers and Repurchase Intention

Ahamed

Pham

2021

International Journal of E-Adoption

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This research investigates the effect of consumer perceptions regarding the ethics of online retailers (CPEOR) on repurchase intention through reputation, satisfaction, and trust. The authors performed structural equation model analysis with SmartPLS on a sample of 458 responses collected from Vietnamese consumers. They found that CPEOR has a significant positive effect on reputation, satisfaction, and trust. As expected, trust and satisfaction directly predict repurchase intention; however, reputation does not directly follow this pattern. Instead, two prosocial constructs, namely trust and satisfaction, channel the effect of reputation on repurchase intention. Contrary to the conventional understanding that a favourable reputation will predict higher consumer trust, they found a negative correlation between these two factors. The managerial and theoretical contributions of the research and direction for future research are highlighted.

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Impact of Perceived Risk on Mobile Banking Usage Intentions: Trust as a Mediator and a Moderator

Abstract: ww w.i nd ers cie nce .co m/ ijbe m Inter natio nal Jour nal of Bu sin es s an d Em er gi ng M ar ke ts

Cited by 2 publications

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Neobanking adoption – An integrated UTAUT-3, perceived risk and recommendation model

Neobanking adoption – An integrated UTAUT-3, perceived risk and recommendation model

Online Retailer Reputation, Satisfaction, and Trust as Catalysts in the Consumer Perceptions of Ethics on Online Retailers and Repurchase Intention

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