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Does privacy and ease of use influence user trust in digital banking applications in Spain and Portugal?

Author

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  • Juan-Gabriel Martínez-Navalón

    (King Juan Carlos University)

  • María Fernández-Fernández

    (King Juan Carlos University)

  • Fernanda Pedrosa Alberto

    (Coimbra Business School, Polytechnic of Coimbra, Quinta Agrícola – Bencanta)

Abstract

The growth of technology in recent years and the increased use of digital platforms has boosted e-commerce, where digital banking stands out in this research. The present study aims to analyze the impact of the variables privacy, ease of use and trust in digital banking. In addition, it studies whether this impact is affected by the nationality of the users. The study was conducted through a literature review and the dissemination of an online questionnaire using PLS software. The analysis validated the measurement scale and analyzed the structural model at different stages, which confirmed its validity and reliability. The research concludes that privacy positively influences trust and perceived ease of use by users. Moreover, it confirms that the higher the perceived ease of use, the higher the consumer trust. However, the research does not show significant results to support that the difference in nationality positively and directly influences the sense of trust, privacy and ease of use of the surveyed users.

Suggested Citation

  • Juan-Gabriel Martínez-Navalón & María Fernández-Fernández & Fernanda Pedrosa Alberto, 2023. "Does privacy and ease of use influence user trust in digital banking applications in Spain and Portugal?," International Entrepreneurship and Management Journal, Springer, vol. 19(2), pages 781-803, June.
    • Handle: RePEc:spr:intemj:v:19:y:2023:i:2:d:10.1007_s11365-023-00839-4
    DOI: 10.1007/s11365-023-00839-4
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    2. Luiz Antonio Bueno & Tiago F. A. C. Sigahi & Rosley Anholon, 2023. "Digital Banks in Brazil: Struggling to Reach the Breakeven Point or a New Evolution Wave?," FinTech, MDPI, vol. 2(3), pages 1-14, June.
    3. Shahzad, Muhammad Faisal & Yuan, Jingbo & Shahzad, Khuram, 2024. "Elevating culinary skies: Unveiling hygiene motivations, environmental trust, and market performance in drone food delivery adoption in China," Technological Forecasting and Social Change, Elsevier, vol. 203(C).
    4. Suder, Marcin & Gurgul, Henryk & Barbosa, Belem & Machno, Artur & Lach, Łukasz, 2024. "Effectiveness of ATM withdrawal forecasting methods under different market conditions," Technological Forecasting and Social Change, Elsevier, vol. 200(C).
    5. Lyulyov, Oleksii & Pimonenko, Tetyana & Saura, Jose Ramon & Barbosa, Belem, 2024. "How do e-governance and e-business drive sustainable development goals?," Technological Forecasting and Social Change, Elsevier, vol. 199(C).

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