The mediating role of the dimensions of the perceived risk in the effect of customers’ awareness on the adoption of Internet banking in Iran

Hanafizadeh, Payam; Khedmatgozar, Hamid Reza

doi:10.1007/s10660-012-9090-z

Cited by 101 publications

(90 citation statements)

References 67 publications

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“…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).…”

Section: Discussionmentioning

confidence: 75%

“…Conceptually, m-banking can be described as a set of banking services offered through the use of a mobile device, connected to a mobile internet network or data plan, which enables users to make payments and perform virtually any banking transactions linked to the current account without the participation of bank employees (GARTNER, 2009;HANAFIZADEH;KHEDMATGOZAR, 2012).…”

Section: Mobile Bankingmentioning

confidence: 99%

“…With regard to the application of these models for m-banking research, the literature shows a growing interest in investigating the theme (LUARN; LIN, 2005;RIIVARI, 2005;SUORANTA;MATTILA, 2004, LEE;KANG;MCKNIGHT, 2007;SULAIMAN;JAAFAR;MOHEZAR, 2007;GU;SUH, 2009;LIN, 2011;RAMOS;PIMENTA;RODRIGUES, 2010;SANTOS;VEIGA;MOURA, 2010;HANAFIZADEH;KHEDMATGOZAR, 2012;HANAFIZADETH, et al, 2014). Sulaiman, Jaafar and Mohezar (2007) suggest that Rogers's (2003) Diffusion of Innovations Theory is one of the most suitable in the study of the adoption of m-banking.…”

Section: Technology Adoptionmentioning

confidence: 99%

“…One of the offered services that grow the most through the use of mobile devices is mobile banking (m-banking) (CRUZ et al, 2010;HANAFIZADEH;KHEDMATGOZAR, 2012;FEBRABAN, 2013). The use of m-banking has been growing each year, in line with the analyzed the perceptions of consumers regarding the adoption of m-banking in light of the Theory of Diffusion of Innovations (ROGERS, 2003), identifying that non-adopters have more of a negative view of the attributes of innovation (relative advantage, observability, compatibility, testability and complexity).…”

Section: Introductionmentioning

confidence: 99%

See 3 more Smart Citations

The Effect of Trust in the Intention to Use m-banking

Ramos¹,

Ferreira²,

Freitas³

et al. 2018

BBR

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Section: Discussionmentioning

confidence: 75%

Section: Mobile Bankingmentioning

confidence: 99%

Section: Technology Adoptionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

See 2 more Smart Citations

The Effect of Trust in the Intention to Use m-banking

Ramos¹,

Ferreira²,

Freitas³

et al. 2018

BBR

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“…The literature indicates that perceived risk is a multidimensional construct (e.g., Grewal, Gotlieb, & Marmorstein, 1994;Hanafizadeh & Khedmatgozar, 2012;Horton, 1976;Jacoby & Kaplan, 1972). This includes (1) performance risk -the loss resulting from a product performing below expectation; (2) financial risk -net loss of customers' money; (3) time risk -time wasted due to an inferior buying decision; (4) psychological risk -a negative effect on consumers' peace of mind or self-concept caused by making a poor choice to purchase the product choice or the product performing badly ; (5) social risk -harm to consumers' social status caused by purchasing the product; and (6) physical risk -bodily harm caused by using the product.…”

Section: Perceived Riskmentioning

confidence: 99%

Perceived Risk in Tuanzhu Group Buying and Traditional Online Buying in Taiwan

Chen¹,

Duan²,

Ni³

et al. 2016

IBR

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Consumers who have adopted tuanzhu group buying (TGB) changed from one-on-one online buying to buying led by a tuanzhu (ie. group leader). The tuanzhu integrates the demands and funds of multiple consumers and is responsible negotiating with the seller to achieve better transaction results as well as to acquire more information about the product to reduce various kinds of risk. However, the TGB mechanism is marred by delays and uncertainties, which can trigger potential customer risks. We recruited as participants 193 college students from four business schools. All students participated in the research voluntarily. The respondents were randomly assigned to the traditional online buying and TGB groups. Of the 193 surveys distributed, 146 were returned. Results of this study show that consumers' perceived risk is higher with TGB than with online buying. As a result, TGB is much more complicated than traditional online buying, and thus consumers' perceived risk is higher with TGB than with traditional online buying.

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Impact of personal bias on performance of employees in public sector banks

Wei

Siyal

Bhand

2019

Journal of Public Affairs

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Purpose: This study discusses the multitude of challenges that employees in public sector banks face regarding their annual performance appraisal due to personal bias exercised by their supervisors.Design/methodology/approach: Data were collected by interviewing 50 people working in five leading public sector banks in Pakistan to draw the outcomes of the present research.Findings: Problems lie in the implementation and justification of evaluation policies that affect employees' career growth, progression, and monetary rewards and fringes, which ultimately hit employees' annual performance appraisal. This study evidences the record deterioration in progression of employees due to personal bias as the appraisers give partial evaluations to those with whom they have any differences and favor their nears and dears or those who are more visible to them or remained in their good books due to personal reasons. This leads employees to feel unfairly treated because the evaluation criterion for performance appraisal seems unjust and illogical.This develops despair, distress, hostility, and distrust among employees when the appraisals are being conducted. The appraisal system does not differentiate between performers or nonperformers due to biased evaluations; therefore, decisions on promotions or career progression cannot be based on such appraisals. The problem of demotivation among employees is also a result of an ineffective performance appraisal mechanism, as no differentiation exists between star performers and nonperformers.Practical implications: While considering the prevalent biased evaluation patterns in public sector banks, requisite changes in appraisal design need to be contemplated to rectify the process of performance appraisal and cope with employees' despair, hostility, and distrust.Originality/value: The paper is an early attempt to investigate impact of supervisors' personal bias on employees' performance management, growth, and progression in public sector banks.

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The mediating role of the dimensions of the perceived risk in the effect of customers’ awareness on the adoption of Internet banking in Iran

Cited by 101 publications

References 67 publications

The Effect of Trust in the Intention to Use m-banking

The Effect of Trust in the Intention to Use m-banking

Perceived Risk in Tuanzhu Group Buying and Traditional Online Buying in Taiwan

Impact of personal bias on performance of employees in public sector banks

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