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The Effects of Cyber Threats and Technical Problems on Customer's Attitude Towards E-Banking Services

Author

Listed:
  • Hasibul Islam

    (Pabna University of Science and Technology, Pabna, Bangladesh)

  • Jhansi Bharathi Madavarapu

    (University of Cumberlands, Cumberland, USA)

  • Nayan Kumar Sarker

    (Pabna University of Science and Technology, Pabna, Bangladesh)

  • Asfaqur Rahman

    (Pabna University of Science and Technology, Pabna, Bangladesh)

Abstract

The study showed the effect of cyber threats or technical problems on customer attitude towards e-banking services. A self-administered questionnaire was used to collect the data, and 400 respondents from eight divisions (Dhaka, Barisal, Rangpur, Chittagong, Khulna, Mymensingh, Rajshahi, and Sylhet) participated in the study. The researcher used a linear regression model to assess the relationship between dependent and independent variables. STATA and SPSS v. 25 program environment were used to conduct the statistical analysis. To determine the reliability of the data, Cronbach's Alpha was conducted and found acceptable internal consistency. Protection method (PM), Purposes of using e-banking (PUE), and Technical problems and challenges (TPC) were the independent variables. The dependent variables were ease of use (EU) and Security reason (SR). The study used two regression models for two dependent variables. The regression model (1) showed a significant effect of SR on PM, and there was no significant effect on SR on PUE and TPC. Another regression model (2) showed a significant effect of EU on PM and PUE, and there was no significant effect of EU on TPC. However, the total variance explained was still low in model 1 (22.6%) and model 2 (44.9%). The people of Bangladesh should be aware of e-banking services and technical problems. Future research should be conducted to discover more data and other variables affecting customer attitudes towards e-banking.

Suggested Citation

  • Hasibul Islam & Jhansi Bharathi Madavarapu & Nayan Kumar Sarker & Asfaqur Rahman, 2022. "The Effects of Cyber Threats and Technical Problems on Customer's Attitude Towards E-Banking Services," Oblik i finansi, Institute of Accounting and Finance, issue 2, pages 58-67, June.
    • Handle: RePEc:iaf:journl:y:2022:i:2:p:58-67
    DOI: 10.33146/2307-9878-2022-2(96)-58-67
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    References listed on IDEAS

    as
    1. Ugwuja, V.C. & Ekunwe, P.A. & Henri-Ukoha, A., 2019. "Cyber risks in electronic banking: exposures and cybersecurity preparedness of women agro-entrepreneurs in South- South Region of Nigeria," 2019 Sixth International Conference, September 23-26, 2019, Abuja, Nigeria 295693, African Association of Agricultural Economists (AAAE).
    2. repec:ibf:ijmmre:v:5:y:2012:i:2:p:103-115 is not listed on IDEAS
    3. Somkiat Mansumitrchai & Candy Chiu, 2012. "Adoptation Of Internet Banking In Uae: Factors Underlying Adoption Characteristics," International Journal of Management and Marketing Research, The Institute for Business and Finance Research, vol. 5(1), pages 103-115.
    4. Marko Sarstedt & Erik Mooi, 2014. "A Concise Guide to Market Research," Springer Texts in Business and Economics, Springer, edition 2, number 978-3-642-53965-7, March.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Cyber Threats; E-banking; Security; Ease of Use; Technical Problems;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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