A Survey on Perceived Risk and Intention of Adopting Internet Banking

Fadare Oa ()
Additional contact information
Fadare Oa: Department of Accountancy, Universiti Utara Malaysia, Malaysia

Journal of Internet Banking and Commerce, 2016, vol. 21, issue 01, 01-21

Abstract: The rise of internet usage with the huge discovery creativities of internet banking already drew the attention of researchers towards the direction of internet banking. However, the intention to use internet banking has been hindered by the risk perceived by the customers in using the internet banking amenities. Therefore, this study aimed to examine the impact of perceived risk on intention to use internet banking. Also to investigate the effect of performance risk, social risk, time risk, financial risk and security risk on the intention to use internet banking. This study uses quantitative method, whereby data collected was analysed with several statistical tools in SPSS 22.0 including descriptive analysis, Pearson correlation and regression analysis. The analysis of the data is based on the sample of 120, from the population of Nigeria Postgraduates students in the Universiti Utara Malaysia and a selfadministered questionnaire was conducted. The respondents were randomly selected. The findings from the hypothesis tested in this study showed that perceived risk; performance risk, social risk, time risk, financial risk and security risk negatively influences intention towards the use of internet banking in this study. In addition, the findings shows that perceived risk (PR) among all other variables contributes more in explaining intention to use internet banking.

Keywords: Perceived risk; Internet banking; Social risk; Performance risk (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2016
References: Add references at CitEc
Citations:

Downloads: (external link)
https://www.icommercecentral.com/open-access/a-sur ... anking.php?aid=67477 Full text (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ris:joibac:0141

Access Statistics for this article

Journal of Internet Banking and Commerce is currently edited by Vijaya Lakshmi, Nahum Goldmann and Dale Pinto

More articles in Journal of Internet Banking and Commerce
Bibliographic data for series maintained by Dale Pinto ().