Investigating the role of online initial trust in explaining the adoption intention of internet banking services

Aljaafreh, Ali; Hujran, Omar; Ani, Ahmed Al; Al-Debei, Mutaz M.; Dmour, Nidal Al

doi:10.1504/ijbis.2021.113971

Cited by 7 publications

(5 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…While clients believe that customisation is the most significant aspect of the mobile banking business, this emphasises the contrast between the parameters for online and mobile banking services [28]. E-banking's critical feature is trustworthiness [29]. In spite of the widespread perception that Internet bank services are the least expensive, bank customers believe that digital banks are neglected [30].…”

Section: Review Of Literaturementioning

confidence: 99%

Performance of E-Banking and the Mediating Effect of Customer Satisfaction: A Structural Equation Model Approach

Khan

Alhumoudi

2022

Sustainability

View full text Add to dashboard Cite

Online payment is a trend that is gaining momentum globally. As a result of digitisation, the advent of online banking has increasingly made its way into the modern marketplace, serving not only customers but also corporations. The primary data were gathered from 287 participants. Stratified random sampling was used. Structure Equation Modelling (SEM), reliability, convergent, discriminate validity and model fitness were achieved through SmartPLS 3 (Christian M. Ringle, Germany). The findings reveal that efficiency, reliability and service quality have a significant direct effect on customer satisfaction and customer retention. It also shows the significant effect of efficiency, reliability and service quality when using customer satisfaction as a mediator for customer retention. It is possible that the data gathered may be valuable for both banks and enterprises interested in entering the Indian market. This research also specifies four main components of E-banking: efficiency, reliability, service quality and customer satisfaction.

show abstract

Section: Review Of Literaturementioning

confidence: 99%

Performance of E-Banking and the Mediating Effect of Customer Satisfaction: A Structural Equation Model Approach

Khan

Alhumoudi

2022

Sustainability

View full text Add to dashboard Cite

show abstract

“…According to [52], an consumer behaviour toward a newly introduced technology reflects their favourable or negative reactions to the technology, while an individual's intention to use describes the degree to which they are prepared to accept, adopt, and maintain the use of the technology. One's intent to utilize the service is influenced by a number of things.…”

Section: Attitudementioning

confidence: 99%

Consumer Adoption of Mobile Payment in the Kingdom of Saudi Arabia an Empirical Study

Ali,

Khan,

Nabi

et al. 2024

J. of Law and Sust. Develop.

View full text Add to dashboard Cite

Objective: The rapid stride in mobile payment adoption has transformed the payment practices in the 21st Century. Admittedly, m-payment practice has become more intense due to the surge in usage of internet, mobile devices (smart phones), accelerated further by the spread of the Covid-19 Pandemic. Against such a backdrop, it is the need of the hour to investigate: Why are people starting to use mobile payments more and how will that affect their purchasing habits? The study's intention is to add to what's already been written on electronic banking and mobile banking specifically. The study provides a report on m-banking's development, assesses the potential for its adoption, and identifies potential avenues for expansion in Saudi Arabia. They aid Saudi Arabian banking decision-makers in locating and developing strategies for supplying m-banking services that will help them keep their competitive edge. Methods: While electronically distributed surveys can reach more people more quickly and for less money, this method also has the potential to introduce bias into the sample by excluding people who don't have access to the internet. In addition, the data acquired from the respondents in many mobile payment and mobile banking studies can enhance selection bias. Researchers used both paper-print and online survey methods to disseminate survey instruments, reducing selection bias and increasing response rates. Other potential sources of common method bias (CMB) include the retrospective nature of the survey, the use of a commonly used scale format for constructs, and the fact that respondents were asked to provide information about both the independent and dependent variables in the same question. As a result, SEM has emerged as the gold standard in the field of theory testing, especially as it pertains to studies of IS/IT adoption. Statistical modelling with structural equation modelling (SEM) was chosen as the advanced inferential analytic technique for this study. Aim: The present study also aims to identify the perceived risk, trust, self-efficacy, past experience, attitude, anxiety, and customer support associated with the mobile payment. Lastly, this study will be a path-breaking one because of its intended contribution to the policy-makers and to the society at large in the Kingdom of Saudi Arabia. Needless to say, outcome of the study was providing managerial inputs to various mobile payment platforms. Results: Consumers' intent to utilize mobile banking was strongly correlated with their level of trust and Application of Mobile Banking. In similar way Self-efficacy directly and positively related to the consumer intention towards mobile banking adoption. In the same ways, past experience directly and positively related to the consumer intention towards mobile banking adoption. In the same way, there is a positive and direct relationship between customer intention and the use of mobile banking. Lack of a causal relationship between attitude and consumer desire to use mobile banking. Perceived risk not directly and positively related to the consumer intention towards mobile banking adoption Anxiety not directly and positively related to the consumer intention towards mobile banking adoption. Conclusion: This study intends to identify the various drivers of mobile payment adoption by examining how consumers' spending habits have changed in response to the popularity of mobile payment systems and the relationship between various payment mechanisms. The study's primary aim is to establish precisely the point when mobile payments will become the norm can replace debit and credit card transactions. Besides transaction activities, online payment channels are enhancing mobile payment adoption and lead to increase in the online transactions, local penetration further escalating increased transaction activities.

show abstract

“…However, banks might reap benefits from this switching cost if it leads to enhanced client loyalty [38]. Customers who feel more committed to a brand are more likely to make repeat purchases over the course of their lifetime, which should boost a company's bottom line [39]. When it comes to the drawbacks of online banking, [40] cites a poor software design and implementation, faulty technologies and usability challenges, and consumer driven failure as the three main unsatisfactory features [41].…”

Section: Review Of the Literaturementioning

confidence: 99%

Examining the Role of Self-Reliance, Social Domination, Perceived Surveillance, and Customer Support with Respect to the Adoption of Mobile Banking

Asif

Khan

Alhumoudi

et al. 2023

IJERPH

View full text Add to dashboard Cite

Purpose: This article aims to investigate the main drivers of mobile banking among Delhi–NCR consumers. The TAM (technological acceptance model) was used as a framework for this study. Only a few studies have looked at how online banking users in India plan to use other similar services, such as m-banking. In order to do this, a theoretical model was made using the technology acceptance model. This model was then expanded to include the factors that make m-banking users more likely to use mobile banking. These adoption factors include the feeling of being watched, the ability to do things on your own with a mobile device, social dominance, and the role of customer support as a mediator. The use of m-banking is the thing that matters. Scope: In the last two decades, digital mobile devices have become the primary preferred method of consumer communication. Throughout the past year, mobile banking has become increasingly popular. The increasing number of smartphones in use, as well as the government’s push for cashless transactions, provide an opportunity for the Indian banking industry to rapidly expand its usage of mobile and online banking. Methodology: The data were collected through a structured questionnaire distributed to 376 respondents from different sustainable investment classes. The use of convenience sampling was imposed. Structure equation modeling (SEM), reliability, convergence, discriminate validity, and model fitness were achieved through SmartPLS 3. Findings: The study found that the adoption factors had a significant impact on perceived surveillance, mobile self-reliance, and social domination and mediating role of customer support to use mobile banking. These latest findings will inform banks and financial institutions on the rise of m-banking in India, as well as provide insight into digital banking channels and add to the literature on the topic of digital banking adoption.

show abstract

Investigating the role of online initial trust in explaining the adoption intention of internet banking services

Cited by 7 publications

References 0 publications

Performance of E-Banking and the Mediating Effect of Customer Satisfaction: A Structural Equation Model Approach

Performance of E-Banking and the Mediating Effect of Customer Satisfaction: A Structural Equation Model Approach

Consumer Adoption of Mobile Payment in the Kingdom of Saudi Arabia an Empirical Study

Examining the Role of Self-Reliance, Social Domination, Perceived Surveillance, and Customer Support with Respect to the Adoption of Mobile Banking

Contact Info

Product

Resources

About