Impact of perceived risk on mobile banking usage intentions: trust as a mediator and a moderator. (26th March 2020)

• Record Type: Journal Article
• Authors: Van, Ha Nguyen; Pham, Long; Williamson, Stan; Huong, Vu Thanh; Hoa, Pham Xuan; Trang, Pham Lam Hanh
• Is Part Of: International journal of business and emerging markets. Volume 12:Number 1(2020)
• Page Start: 94
• Page End: 118
• Publication Date: 2020-03-26
• Subjects: perceived risk -- trust -- intention to use mobile banking -- Vietnam banking; International business enterprises -- Developing countries -- Periodicals; Investments -- Developing countries -- Periodicals; Globalization -- Economic aspects -- Periodicals; 338.888172405
• Languages: English
• ISSNs: 1753-6219

Abstract

This study examines the relationships among perceived risk, trust, and intention to use mobile banking. The research model is confirmed based on data collected from the customers of one of Vietnam's largest joint stock commercial banks. The results of statistical analysis show that the research model explains 60.2% of the variability of intention to use mobile banking. The results also show that perceived risk includes components such as financial risk, social risk, time risk, privacy risk, security risk, and performance risk. Furthermore, perceived risk is negatively related to trust and intention to use mobile banking, and trust has a positive relationship with intention to use mobile banking. Implications are drawn and useful for improving intention to use mobile banking.