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Stages in the development of consumers' online trust as mediating variable in online banking system: a proposed model

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  • Candy Lim Chiu
  • Jason Lim Chiu
  • Somkiat Mansumitrchai

Abstract

Several studies suggest that consumers have not adopted online banking system to the same degree primarily because of online trust related issues. It is a long-term barrier for realising the potentials of B2C banking innovations. However, current literature relating to trust in online banking arguably falls short in at least two areas. First, lack of comprehensive study detailing the stages of trust as mediating variable between antecedents and consequence in order to understand consumers' online trust formation on self-service technologies. Second, most prior studies focus only on the general concept and effect of trust on consumer behavioural intention, adoption decision, and utilisation of innovations. This study tries to fill these gaps by systematically analysing online trust based on behavioural adoption models and technology acceptance theories as a fundamental prerequisite of B2C relationship in the retail industry, leading to the positive adoption of innovation.

Suggested Citation

  • Candy Lim Chiu & Jason Lim Chiu & Somkiat Mansumitrchai, 2019. "Stages in the development of consumers' online trust as mediating variable in online banking system: a proposed model," International Journal of Electronic Finance, Inderscience Enterprises Ltd, vol. 9(3), pages 170-201.
    • Handle: RePEc:ids:ijelfi:v:9:y:2019:i:3:p:170-201
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    Cited by:

    1. Masood Ul Hassan & Muhammad Shahid Iqbal & Ume Habibah, 2020. "Self-Service Technology Service Quality: Building Loyalty and Intention Through Technology Trust in Pakistani Service Sector," SAGE Open, , vol. 10(2), pages 21582440209, June.
    2. Marzieh Soleimani, 2022. "Buyers' trust and mistrust in e-commerce platforms: a synthesizing literature review," Information Systems and e-Business Management, Springer, vol. 20(1), pages 57-78, March.

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