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Investigating the role of online initial trust in explaining the adoption intention of internet banking services

Author

Listed:
  • Ali Aljaafreh
  • Omar Al-Hujran
  • Ahmed Al-Ani
  • Mutaz M. Al-Debei
  • Nidal Al-Dmour

Abstract

Online initial trust is one of the impediments that affect the adoption of new information technology (IT) innovations; therefore, improving customer's initial trust is likely to improve the adoption of internet banking services (IBS). This study aims identify the factors that affect customer's initial trust for the adoption of internet banking services in developing countries. Data from a survey of 540 respondents were collected to empirically test the proposed research model. The results of this study show that organisational structural assurance, banks' reputation, perceived relative advantages, and uncertainty avoidance are the most important determinants of customers' initial trust in IBS in developing countries. In addition, the results indicate that initial trust in IBS positively influences intention to use IBS. The obtained results underpin the claim that national culture has a significant role in forming customers' initial trust in IBS, particularly in developing countries' context.

Suggested Citation

  • Ali Aljaafreh & Omar Al-Hujran & Ahmed Al-Ani & Mutaz M. Al-Debei & Nidal Al-Dmour, 2021. "Investigating the role of online initial trust in explaining the adoption intention of internet banking services," International Journal of Business Information Systems, Inderscience Enterprises Ltd, vol. 36(4), pages 474-505.
    • Handle: RePEc:ids:ijbisy:v:36:y:2021:i:4:p:474-505
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    Cited by:

    1. Mohammad Asif & Mohammed Arshad Khan & Hamad Alhumoudi & Mohammad Wasiq, 2023. "Examining the Role of Self-Reliance, Social Domination, Perceived Surveillance, and Customer Support with Respect to the Adoption of Mobile Banking," IJERPH, MDPI, vol. 20(5), pages 1-19, February.
    2. Mohammed Arshad Khan & Hamad A. Alhumoudi, 2022. "Performance of E-Banking and the Mediating Effect of Customer Satisfaction: A Structural Equation Model Approach," Sustainability, MDPI, vol. 14(12), pages 1-12, June.

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