Security, Risk, and Trust in Individuals’ Internet Banking Adoption: An Integrated Model

Ong, Chorng‐Shyong; Lin, Yi-Luen

doi:10.7903/ijecs.1428

Cited by 13 publications

(10 citation statements)

References 27 publications

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“…These findings were supported by the studies of Ong (2015), Zhao et al (2010), Chang and Ho (2006) and Gorman (2007:563), who emphasised that perceived security is an important factor that influences individuals' Internet banking adoption. Due to security issues ranging from privacy disclosure to financial loss, individuals whose willingness to apply for an online service may be lessened (Chorng-Shyong Ong, 2015).…”

Section: Perceived Security Protectionsupporting

confidence: 55%

“…Extant literature mentioned that security is a major concern that contributes to an individual's desire to adopt online services. However, due to some security issues, ranging from privacy disclosure to financial loss, individuals whose willingness to apply online services may be lessened (Chorng-Shyong Ong, 2015). Concerns about security and privacy were identified by McCloskey (2006) as barriers to the use of electronic innovations, while Zhao et al (2010:8) argued that data security is a major issue for businesses, public bodies and consumers.…”

Section: Security Concerns About Online Servicesmentioning

confidence: 99%

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Factors Affecting the Adoption of Internet Banking in the Kingdom of Bahrain

Janahi¹

2013

SSRN Journal

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The emergence of the Internet in business as a marketing tool and as a communication medium is one of the existing challenges for the banking industry. Because of this evolution, the banking industry has adopted Internet banking both for financial transactions and for the provision of information about products and services. Based on the ideas mentioned, this study aimed to examine the factors which may affect the intention to use Internet banking in the Kingdom of Bahrain with the following research objectives to be achieved: first, to identify the factors which affect the intention to use and adopt Internet banking in the Kingdom of Bahrain; second, to develop a model based on the identified factors that affect the intention to use Internet banking in the Kingdom of Bahrain; and third, to test the reliability and validity of the proposed model and find its implications on the intention to use and adopt Internet banking. In this study, five variables were initially chosen, namely, perceived privacy protection, perceived security protection, perceived trust, perceived information quality and perceived risks/benefits that may affect the intention to use Internet banking. Besides the five variables, two more variables were included: cultural dimension and biometric technology to measure a significant relationship with any academic writing, research protocols and, more importantly, acquire useful new knowledge which might benefit the banking industry in the Kingdom of Bahrain. The academic experiences from this undertaking have allowed me to grow professionally and personally. For these gifts of knowledge, I am indebted to the counsel of my supervisors, Dr Andrea Collins, Dr Rana Tassabehji of Bradford University and Dr Saeed Al Hajaar. I also wish to acknowledge the assistance and support of a great many people who supported me all the way: my family, friends and significant others. In particular, the assistance of my wife Badria and children, Khalid, Mohammed and Lulwa for putting up with my absence over the years that I was in the process of pursuing this academic endeavour. Lastly, I would like to thank my uncle Hasan A. Rahim who encouraged and taught me the value of education; my friends Khalifa, Salman Zaiman and Mohammed Dito for their moral support and encouragement.

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Section: Perceived Security Protectionsupporting

confidence: 55%

Section: Security Concerns About Online Servicesmentioning

confidence: 99%

Factors Affecting the Adoption of Internet Banking in the Kingdom of Bahrain

Janahi¹

2013

SSRN Journal

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“…Previous research indicates that trust reduces individuals' uncertainty when faced with dealing with new technological methods. For example, trust plays a key role in individuals' acceptance of online retailing, banking, and mobile technologies (Gu, Lee, & Suh, 2009;Hillman & Neustaedter, 2017;Luarn & Lin, 2005;Ong & Lin, 2015;Yu, Balaji, & Khong, 2015). One of the influential papers in e-commerce has identified trust as a key variable in the acceptance of ecommerce (Yang, Wang, & Chen, 2017).…”

Section: Background and Hypothesesmentioning

confidence: 99%

Why Do Not We Use Password Managers? A Study on the Intention to Use Password Managers

Ayyagari

Lim²,

Hoxha³

2019

CMR

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Why don't individuals follow the best information security practices? We address an aspect of this question by focusing on one of the most common authentication methodspasswords. To promote better password habits, security experts consistently recommend the use of password managers as a best practice, but recent research shows their usage rate is low. Therefore, understanding the factors that influence the use of a password manager is important. We contribute to this cause by drawing on information security and technology adoption literature. Survey results from 120 participants with varying numbers of internet accounts yield some counterintuitive findings. As proposed, perceived severity and perceived vulnerability of password loss strongly influenced intent to use password managers. However, perceived ease of use diminished the intent to use password managers, and trust is only partially supported. Our results indicate that 'security' aspects of password managers are more important than 'usability' aspects. The implications of these findings for password management are discussed.

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“…Many studies dealing with the relationship between trust and intention to use online banking services have been conducted in the past few years. In fact, many scientists argue that trust has a direct positive impact on the consumer's intention to use e-banking [9,[14][15][16][17][18][19][20][21]. What is more, trust is a determining factor, leading to further use of online banking.…”

Section: Theoretical Backgroundmentioning

confidence: 99%

Factors Influencing Individual Customers Trust in Internet Banking: Case of Baltic States

Skvarciany

Jurevičienė

2018

Sustainability

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The investigation of trust in commercial banks needs to focus specifically on internet banking, as it is the fastest growing banking service. The article explores factors influencing trust in internet banking and estimates this impact in the Baltics states. The factors are as follows: Provided information, e-banking system, the website of a bank, and a bank’s characteristics. Overall, 1013 respondents and 21 experts took part in the current study. The results of the respondents’ survey showed that the factor that is necessary for trust building in all the examined countries differs: In Lithuania, information and the bank, in Latvia, the website, and in Estonia, the bank. According to the experts, the most powerful factor in the trust-building process in Lithuania and Latvia is the e-banking system while in Estonia, the website. The research has the following limitations: The online survey of individual customers (however, internet banking relates to internet users, so this limitation is not essential); the analysis of only the positively affecting criteria of the trust-building process; only experts assessed the subfactors.

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Security, Risk, and Trust in Individuals’ Internet Banking Adoption: An Integrated Model

Cited by 13 publications

References 27 publications

Factors Affecting the Adoption of Internet Banking in the Kingdom of Bahrain

Factors Affecting the Adoption of Internet Banking in the Kingdom of Bahrain

Why Do Not We Use Password Managers? A Study on the Intention to Use Password Managers

Factors Influencing Individual Customers Trust in Internet Banking: Case of Baltic States

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