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A quantitative examination of the factors that influence users' perceptions of trust towards using mobile banking services

Author

Listed:
  • Mohammad Hamdi Al Khasawneh
  • Omar Hujran
  • Tariq Abdrabbo

Abstract

An examination of previous research related to m-banking in developing countries revealed that research conducted on the drivers of trust in mobile banking is somewhat limited. Therefore, this study attempted to quantitatively investigate the factors that influence users' perceptions of trust towards using mobile banking services. The model is empirically tested using an online survey from a convenience sample of 404 respondents, and analysed using SEM. The study found that the six variables (perceived benefits, perceived credibility, perceived behavioural control, social influence, privacy and security risks) have direct impact on users' trust in m-banking. In particular, perceived credibility has the highest positive effect on users' trusts in m-banking, followed by perceived benefits and PBC while social influence has the lowest effect. In contrast, security risk and privacy risk exhibited a moderate negative impact on users' trust in mobile banking.

Suggested Citation

  • Mohammad Hamdi Al Khasawneh & Omar Hujran & Tariq Abdrabbo, 2018. "A quantitative examination of the factors that influence users' perceptions of trust towards using mobile banking services," International Journal of Internet Marketing and Advertising, Inderscience Enterprises Ltd, vol. 12(2), pages 181-207.
    • Handle: RePEc:ids:ijimad:v:12:y:2018:i:2:p:181-207
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    Citations

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    Cited by:

    1. Hu, Bo & Liu, Yu-li & Yan, Wenjia, 2021. "Should I scan my face? The influence of perceived value and trust on Chinese users' intention to use facial recognition payment," 23rd ITS Biennial Conference, Online Conference / Gothenburg 2021. Digital societies and industrial transformations: Policies, markets, and technologies in a post-Covid world 238028, International Telecommunications Society (ITS).
    2. Mo’men Awad Al Tarawneh & Thi Phuong Lan Nguyen & David Gun Fie Yong & Magiswary A/P Dorasamy, 2023. "Determinant of M-Banking Usage and Adoption among Millennials," Sustainability, MDPI, vol. 15(10), pages 1-27, May.

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