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The Moderating Role of Risk, Security and Trust Applied to the TAM Model in The Offer of Banking Financial Services in Canada

Author

Listed:
  • LÉVY MANGIN, JEAN-PIERRE

    (Professor Titulaire, Université du Québec en Outaouais, Québec, Canada.)

  • BOURGAULT, NORMAND

    (Professor, Université du Québec en Outaouais, Québec, Canada.)

Abstract

Based on the Technology Acceptance Model, this paper explores the importance of three moderator variables—‘Risk’ ‘Security’ and ‘Trust’ —in the consumer acceptance of online banking in a Canadian environment. The results highlight the predictive power and suitability of the proposed conceptual model, considering the introduction of three moderator variables. In fact, the findings stress that ‘Risk’ (Perceived Risk) could hamper the use of the internet banking, whereas Security and Trust could enhance the use of online banking.

Suggested Citation

  • Lévy Mangin, Jean-Pierre & Bourgault, Normand, 2014. "The Moderating Role of Risk, Security and Trust Applied to the TAM Model in The Offer of Banking Financial Services in Canada," Journal of Internet Banking and Commerce, , vol. 19(2), pages 01-21, August.
    • Handle: RePEc:ris:joibac:0268
    as

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    More about this item

    Keywords

    Technology Acceptance Model; on-line banking; Perceived Risk; Security on line; Trust; Partial Least Squares; Financial Services;
    All these keywords.

    JEL classification:

    • A13 - General Economics and Teaching - - General Economics - - - Relation of Economics to Social Values

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