The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach

The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach

The present study aimed to investigate the impact of security and privacy perceptions on bank customers’ trust to accept and adopt online banking services. Specifically, the investigation in the study focused on the factors affecting customers’ trust to accept and use online banking services. In ord...

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Bibliographic Details
Main Authors: Al-Sharafi, Mohammed A., Ruzaini, Abdullah Arshah
Format: Conference or Workshop Item
Language:English
Published: 2016
Subjects:
Q Science (General)
QA76 Computer software
Online Access:http://umpir.ump.edu.my/id/eprint/14519/
http://umpir.ump.edu.my/id/eprint/14519/1/fskkp-2016-sharafi-Impact%20of%20Customer%20Trust%20and%20Perception.pdf
id ump-14519
recordtype eprints
spelling ump-145192018-04-27T03:23:25Z http://umpir.ump.edu.my/id/eprint/14519/ The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach Al-Sharafi, Mohammed A. Ruzaini, Abdullah Arshah Q Science (General) QA76 Computer software The present study aimed to investigate the impact of security and privacy perceptions on bank customers’ trust to accept and adopt online banking services. Specifically, the investigation in the study focused on the factors affecting customers’ trust to accept and use online banking services. In order to achieve this, a survey was administered to a number of 198 participants from Jordan for collecting the data. A Structural Equation Modeling (SEM) approach was utilized for analyzing the respondents’ responses to the survey. The results showed that trust positively affected customers’ behavioral intention to adopt online banking services. Moreover, the customers’ perception, including their perceived usefulness, security and privacy had a significant impact on their trust. However, users’ perceived ease of use failed to predict the customers’ intention to use online banking services. Based on these results, a research model that accurately reflects the factors affecting customers’ trust to accept and use online banking services was developed. 2016 Conference or Workshop Item PeerReviewed application/pdf en http://umpir.ump.edu.my/id/eprint/14519/1/fskkp-2016-sharafi-Impact%20of%20Customer%20Trust%20and%20Perception.pdf Al-Sharafi, Mohammed A. and Ruzaini, Abdullah Arshah (2016) The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach. In: Proceedings of The National Conference for Postgraduate Research (NCON-PGR 2016), 24-25 September 2016 , Universiti Malaysia Pahang (UMP), Pekan, Pahang. pp. 171-177..
repository_type Digital Repository
institution_category Local University
institution Universiti Malaysia Pahang
building UMP Institutional Repository
collection Online Access
language English
topic Q Science (General)
QA76 Computer software
spellingShingle Q Science (General)
QA76 Computer software
Al-Sharafi, Mohammed A.
Ruzaini, Abdullah Arshah
The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach
description The present study aimed to investigate the impact of security and privacy perceptions on bank customers’ trust to accept and adopt online banking services. Specifically, the investigation in the study focused on the factors affecting customers’ trust to accept and use online banking services. In order to achieve this, a survey was administered to a number of 198 participants from Jordan for collecting the data. A Structural Equation Modeling (SEM) approach was utilized for analyzing the respondents’ responses to the survey. The results showed that trust positively affected customers’ behavioral intention to adopt online banking services. Moreover, the customers’ perception, including their perceived usefulness, security and privacy had a significant impact on their trust. However, users’ perceived ease of use failed to predict the customers’ intention to use online banking services. Based on these results, a research model that accurately reflects the factors affecting customers’ trust to accept and use online banking services was developed.
format Conference or Workshop Item
author Al-Sharafi, Mohammed A.
Ruzaini, Abdullah Arshah
author_facet Al-Sharafi, Mohammed A.
Ruzaini, Abdullah Arshah
author_sort Al-Sharafi, Mohammed A.
title The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach
title_short The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach
title_full The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach
title_fullStr The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach
title_full_unstemmed The Impact of Customer Trust and Perception of Security and Privacy on the Acceptance of Online Banking Services: Structural Equation Modeling Approach
title_sort impact of customer trust and perception of security and privacy on the acceptance of online banking services: structural equation modeling approach
publishDate 2016
url http://umpir.ump.edu.my/id/eprint/14519/
http://umpir.ump.edu.my/id/eprint/14519/1/fskkp-2016-sharafi-Impact%20of%20Customer%20Trust%20and%20Perception.pdf
first_indexed 2023-09-18T22:18:22Z
last_indexed 2023-09-18T22:18:22Z
_version_ 1777415489662746624

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