The moderating role of perceived risk on trust in e-banking
The purpose of this research is to investigate whether a consumer?s perception of risk in transacting on the internet (Perceived Risk) would have an influence on their trust of a bank?s e-banking website (Specific Trust) and their willingness to use e-banking. The results showed that Perceived Risk...
| Main Authors: | , , , |
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| Format: | Working Paper |
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School of Marketing, Curtin Business School
2009
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| Subjects: | |
| Online Access: | http://hdl.handle.net/20.500.11937/17834 |
| _version_ | 1848749572230217728 |
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| author | Wong, David Loh, Hwee Kuen Claire Yap, Kenneth Bak, Randall |
| author_facet | Wong, David Loh, Hwee Kuen Claire Yap, Kenneth Bak, Randall |
| author_sort | Wong, David |
| building | Curtin Institutional Repository |
| collection | Online Access |
| description | The purpose of this research is to investigate whether a consumer?s perception of risk in transacting on the internet (Perceived Risk) would have an influence on their trust of a bank?s e-banking website (Specific Trust) and their willingness to use e-banking. The results showed that Perceived Risk has a direct influence on a consumer?s willingness to use e-banking and Specific Trust has a positive moderating influence on the relationship between Perceived Risk and a consumer?s willingness to use e-banking. Consumers who have low perceived risk of transacting on the internet are generally more willing to use e-banking. Their willingness to use e-banking was also shown to be more pronounced in cases where the consumer also trust their bank?s e-banking website. These findings are of particular relevance to banks. It highlights that a consumer?s willingness to use e-banking primarily depends on their perception of risk in transacting on the internet; trust of the specific e-banking website was secondary. This suggests the need for banks to not only employ mechanisms to build trust for their specific e-banking website, but that banks should first take measures to educate their customers and manage general consumer perceptions of the risks of transacting on the internet. |
| first_indexed | 2025-11-14T07:23:04Z |
| format | Working Paper |
| id | curtin-20.500.11937-17834 |
| institution | Curtin University Malaysia |
| institution_category | Local University |
| last_indexed | 2025-11-14T07:23:04Z |
| publishDate | 2009 |
| publisher | School of Marketing, Curtin Business School |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | curtin-20.500.11937-178342017-05-30T08:13:21Z The moderating role of perceived risk on trust in e-banking Wong, David Loh, Hwee Kuen Claire Yap, Kenneth Bak, Randall Trust E-banking Adoption Perceived Risk Internet The purpose of this research is to investigate whether a consumer?s perception of risk in transacting on the internet (Perceived Risk) would have an influence on their trust of a bank?s e-banking website (Specific Trust) and their willingness to use e-banking. The results showed that Perceived Risk has a direct influence on a consumer?s willingness to use e-banking and Specific Trust has a positive moderating influence on the relationship between Perceived Risk and a consumer?s willingness to use e-banking. Consumers who have low perceived risk of transacting on the internet are generally more willing to use e-banking. Their willingness to use e-banking was also shown to be more pronounced in cases where the consumer also trust their bank?s e-banking website. These findings are of particular relevance to banks. It highlights that a consumer?s willingness to use e-banking primarily depends on their perception of risk in transacting on the internet; trust of the specific e-banking website was secondary. This suggests the need for banks to not only employ mechanisms to build trust for their specific e-banking website, but that banks should first take measures to educate their customers and manage general consumer perceptions of the risks of transacting on the internet. 2009 Working Paper http://hdl.handle.net/20.500.11937/17834 School of Marketing, Curtin Business School fulltext |
| spellingShingle | Trust E-banking Adoption Perceived Risk Internet Wong, David Loh, Hwee Kuen Claire Yap, Kenneth Bak, Randall The moderating role of perceived risk on trust in e-banking |
| title | The moderating role of perceived risk on trust in e-banking |
| title_full | The moderating role of perceived risk on trust in e-banking |
| title_fullStr | The moderating role of perceived risk on trust in e-banking |
| title_full_unstemmed | The moderating role of perceived risk on trust in e-banking |
| title_short | The moderating role of perceived risk on trust in e-banking |
| title_sort | moderating role of perceived risk on trust in e-banking |
| topic | Trust E-banking Adoption Perceived Risk Internet |
| url | http://hdl.handle.net/20.500.11937/17834 |