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

Jean-Pierre Lévy Mangin () and Normand Bourgault ()
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Jean-Pierre Lévy Mangin: Professor Titulaire, Université du Québec en Outaouais, Québec, Canada.
Normand Bourgault: Professor, Université du Québec en Outaouais, Québec, Canada.

Journal of Internet Banking and Commerce, 2014, vol. 19, issue 2, 01-21

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.

Keywords: Technology Acceptance Model; on-line banking; Perceived Risk; Security on line; Trust; Partial Least Squares; Financial Services (search for similar items in EconPapers)
JEL-codes: A13 (search for similar items in EconPapers)
Date: 2014
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Persistent link: https://EconPapers.repec.org/RePEc:ris:joibac:0268

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