Impact of perceived risk on mobile banking usage intentions: trust as a mediator and a moderator

Ha Nguyen Van, Long Pham, Stan Williamson, Vu Thanh Huong, Pham Xuan Hoa and Pham Lam Hanh Trang

International Journal of Business and Emerging Markets, 2020, vol. 12, issue 1, 94-118

Abstract: This study examines the relationships among perceived risk, trust, and intention to use mobile banking. The research model is confirmed based on data collected from the customers of one of Vietnam's largest joint stock commercial banks. The results of statistical analysis show that the research model explains 60.2% of the variability of intention to use mobile banking. The results also show that perceived risk includes components such as financial risk, social risk, time risk, privacy risk, security risk, and performance risk. Furthermore, perceived risk is negatively related to trust and intention to use mobile banking, and trust has a positive relationship with intention to use mobile banking. Implications are drawn and useful for improving intention to use mobile banking.

Keywords: perceived risk; trust; intention to use mobile banking; Vietnam banking. (search for similar items in EconPapers)
Date: 2020
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