Unveiling the nexus among internet banking services, banking offers, and online consumer buying attitude with moderation of financial risks

Ming Zhang

International Journal of Applied Systemic Studies, 2024, vol. 11, issue 4, 311-326

Abstract: This study aims to explore the influence of internet banking services (IBS) and banking offers (BO) toward consumer online buying attitude (OBA) along with moderation of financial risk (FnR) among the nexus of IBS, BO, and OBA from the context of China. Using a sample of 957 responses, this study ascertained the relationships and found interesting facts as follows. First, the study affirmed a positive link between internet banking services and OBA. Second, the study confirmed a positive connection between banking offers and OBA. Finally, the study additionally ensured the moderation of financial risk among the connections of internet banking services, banking offers, and online buying attitudes. This study endows with numerous insights that banking services and banking offers profoundly impact consumer attitude by offering financial solutions aligned with the diverse needs of the consumers. The study also suggested that understanding risk management can improve the relationships between banks and consumers. Besides, this study provides several future directions along with fruitful implications for banking management.

Keywords: consumer online attitude; internet banking; banking offers; financial risk; Chinese banking. (search for similar items in EconPapers)
Date: 2024
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