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The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran

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  • Hamid Reza Khedmatgozar

    (Iranian Research Institute for Information Science and Technology (IRANDOC))

  • Arezoo Shahnazi

    (University of Science and Culture)

Abstract

During the recent years, one of the issues considered by the banks in the field of internet banking is the adoption of corporate internet banking (CIB) by corporate clients. The present article tried to examine the factors affecting adoption of CIB by corporate clients based on the perceived risk theory. The research hypotheses were tested using confirmatory factor analysis and the results showed that there was a significant relationship between all the risks and intent to adopt CIB by the corporate clients of the banks. The major factors decreasing the intent to adopt internet banking include performance, privacy, security, financial, time, and social risks respectively. Based on the findings of the present study and similar studies, a comparison was made between the importance of the dimensions of perceived risk in personal and CIB and suggestions were made for decreasing the effects of these significant risks for the corporate clients to adopt CIB.

Suggested Citation

  • Hamid Reza Khedmatgozar & Arezoo Shahnazi, 2018. "The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran," Electronic Commerce Research, Springer, vol. 18(2), pages 389-412, June.
    • Handle: RePEc:spr:elcore:v:18:y:2018:i:2:d:10.1007_s10660-017-9253-z
    DOI: 10.1007/s10660-017-9253-z
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    References listed on IDEAS

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    1. Silvance O. Abeka & Evance Ochieng’ Abeka & Ondoro Charles Omondi, 2012. "Determinants of Adoption of Internet Banking by Trade Finance Customers in East Africa," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 2(2), pages 109-119, April.
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    Cited by:

    1. Xiaoxu Dong & Huawei Zhao & Tiancai Li, 2022. "The Role of Live-Streaming E-Commerce on Consumers’ Purchasing Intention regarding Green Agricultural Products," Sustainability, MDPI, vol. 14(7), pages 1-13, April.
    2. Francesco Fasano & Tiziana Rocca, 2024. "Does the bank-firm human relationship still matter for SMEs? The game-changing role of digitalization," Small Business Economics, Springer, vol. 62(1), pages 159-178, January.
    3. Wei Sun & Alisher Tohirovich Dedahanov & Ho Young Shin & Wei Ping Li, 2021. "Using extended complexity theory to test SMEs’ adoption of Blockchain-based loan system," PLOS ONE, Public Library of Science, vol. 16(2), pages 1-19, February.
    4. Fasano, Francesco & Cappa, Francesco, 2022. "How do banking fintech services affect SME debt?," Journal of Economics and Business, Elsevier, vol. 121(C).
    5. Kajol, K. & Singh, Ranjit & Paul, Justin, 2022. "Adoption of digital financial transactions: A review of literature and future research agenda," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    6. Xuechao Sui & Xianhui Geng, 2021. "Continuous usage intention to e-transaction cards in wholesale markets of agriproducts: empirical evidence from China," Future Business Journal, Springer, vol. 7(1), pages 1-13, December.
    7. Gangopadhyay, Partha & Jain, Siddharth & Bakry, Walid, 2022. "In search of a rational foundation for the massive IT boom in the Australian banking industry: Can the IT boom really drive relationship banking?," International Review of Financial Analysis, Elsevier, vol. 82(C).
    8. Jacek Adamek & Ma³gorzata Solarz, 2023. "Adoption factors in digital lending services offered by FinTech lenders," Oeconomia Copernicana, Institute of Economic Research, vol. 14(1), pages 169-212, March.
    9. Bashir, Shahid & Khwaja, Muddasar Ghani & Mahmood, Asif & Turi, Jamshid Ali & Latif, Khawaja Fawad, 2021. "Refining e-shoppers’ perceived risks: Development and validation of new measurement scale," Journal of Retailing and Consumer Services, Elsevier, vol. 58(C).
    10. Hamid Reza Khedmatgozar, 2021. "The impact of perceived risks on internet banking adoption in Iran: a longitudinal survey," Electronic Commerce Research, Springer, vol. 21(1), pages 147-167, March.
    11. Lin, Ying & Yan, Xiaohan & Yang, Xiuyun, 2023. "Digital finance and enterprise investment efficiency in China," International Review of Financial Analysis, Elsevier, vol. 90(C).
    12. Satish Kumar & Weng Marc Lim & Nitesh Pandey & J. Christopher Westland, 2021. "20 years of Electronic Commerce Research," Electronic Commerce Research, Springer, vol. 21(1), pages 1-40, March.

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