The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran

Hamid Reza Khedmatgozar1, Arezoo Shahnazi2
1Iranian Research Institute for Information Science and Technology (IRANDOC), Tehran, Iran
2Department of Financial Engineering, University of Science and Culture, Tehran, Iran

Tóm tắt

Từ khóa


Tài liệu tham khảo

Abeka, S. O., Abeka, E. O., & Omondi, O. C. (2012). Determinants of Adoption of internet banking by trade finance customers in East Africa. International Journal of Academic Research in Accounting, Finance and Management Sciences, 2(2), 109–119.

Alam, S. S., Musa, R., & Hassan, F. (2009). Corporate customers’ adoption of Internet banking: case of Klang Valley business firm in Malaysia. International Journal of Business and Management, 4(4), 13–21.

Aldas-Manzano, J., Lassala-Navarre, C., Ruiz-Mafe, C., & Sanz-Blas, S. (2009). The role of consumer innovativeness and perceived risk in online banking usage. International Journal of Bank Marketing, 27(1), 53–75.

Alnsour, M. S., & Al-Hyari, K. (2011). Internet banking and Jordanian corporate customers: issues of security and trust. Journal of Internet Banking and Commerce, 16(1), 1–14.

Anderson, J. C., & Gerbing, D. W. (1988). Structural equation modeling in practice: A review and recommended two-step approach. Psychological Bulletin, 103(3), 411–423.

Batra, R., & Sinha, I. (2000). Consumer-level factors moderating the success of private label brands. Journal of Retailing, 76(2), 175–191.

Bestavros, A. (2000). Banking industry walks ‘tightrope’ in personalization of web services. Bank Systems and Technology, 37(1), 54–56.

Butler, R. (2007). A framework of anti-phishing measures aimed at protecting the online consumer’s identity. The Electronic Library, 25(5), 517–533.

Chen, W. H. (2014). Determinants of internet banking adoption by corporate customers: A study of behavioral intentions in Taiwanese businesses. Doctoral dissertation, University of Warwick. wrap.warwick.ac.uk/61915/1/WRAP_THESIS_Chen_2014.pdf. Accessed May 25, 2016.

Cheng, T. C., Lam, D. Y., & Yeung, A. C. (2006). Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, 42(3), 1558–1572.

Claro, D. P., & Rosa, R. B. (2016). Drivers leading firm adoption of internet banking services. Marketing Intelligence and Planning, 34(3), 336–354.

Eriksson, K., Kerem, K., & Nilsson, D. (2008). The adoption of commercial innovations in the former Central and Eastern European markets. The case of internet banking in Estonia. International Journal of Bank Marketing, 26(3), 154–169.

Fornell, C., & Larcker, D. F. (1981). Structural equation models with unobservable variables and measurement error: Algebra and statistics. Journal of Marketing Research, 18(3), 382–388.

Grabner-Kräuter, S., & Faullant, R. (2008). Consumer acceptance of internet banking: The influence of internet trust. International Journal of Bank Marketing, 26(7), 483–504.

Hanafizadeh, P., & Khedmatgozar, H. R. (2012). The mediating role of the dimensions of the perceived risk in the effect of customers’ awareness on the adoption of Internet banking in Iran. Electronic Commerce Research, 12(2), 151–175.

Hanafizadeh, P., Keating, B. W., & Khedmatgozar, H. R. (2014). A systematic review of Internet banking adoption. Telematics and Informatics, 31(3), 492–510.

Hu, L. T., & Bentler, P. M. (1998). Fit indices in covariance structure modeling: Sensitivity to under parameterized model misspecification. Psychological Methods, 3(4), 424–453.

Jacoby, J., & Kaplan, L. B. (1972). The components of perceived risk. Advances in Consumer Research, 3(3), 382–383.

Jagero, N., & Abeka, S. O. (2011). Corporate customers usage of internet banking in East Africa. International Journal of Computer Science Issues, 8(5), 394–402.

Jaruwachirathanakul, B., & Fink, D. (2005). Internet banking adoption strategies for a developing country: The case of Thailand. Internet Research, 15(3), 295–311.

Kalakota, R., & Whinston, A. (1997). Electronic commerce: A manager’s guide. Reading, MA: Addison Wesley.

Kaplan, L. B., Szybillo, G. J., & Jacoby, J. (1974). Components of perceived risk in product purchase: A cross validation. Journal of Applied Psychology, 59(3), 278–291.

Kesharwani, A., & Radhakrishna, G. (2013). Drivers and inhibitors of internet banking adoption in India. Journal of Internet Banking and Commerce, 18(3), 18. http://www.icommercecentral.com/open-access/drivers-and-inhibitors-of-internet-banking-adoption-in-india-1-18.pdf . Accessed May 25, 2016.

Kim, D. J., Ferrin, D. L., & Rao, H. R. (2008). A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents. Decision Support Systems, 44(2), 544–564.

Kunnan, A. J. (1998). An introduction to structural equation modelling for language assessment research. Language Testing, 15(3), 295–332.

Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130–141.

Littler, D., & Melanthiou, D. (2006). Consumer perceptions of risk and uncertainty and the implications for behaviour towards innovative retail services: The case of internet banking. Journal of Retailing and Consumer Services, 13(6), 431–443.

Marche, S., & McNiven, J. D. (2003). E-government and e-governance: The future isn’t what it used to be. Canadian Journal of Administrative Sciences, 20(1), 74–86.

Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13.

Moradi, M., Ghomian, M. M., & Sarjanian, Z. (2012). Investigation of the effect of customers’ perceived risk and uncertainty on the usage of the internet banking (A Case Study of Saderat Bank of Mashhad). World Applied Sciences Journal, 18(5), 617–623.

Mukherjee, A., & Nath, P. (2003). A model of trust in online relationship banking. International Journal of Bank Marketing, 21(1), 5–15.

Nasri, W. (2011). Factors influencing the adoption of internet banking in Tunisia. International Journal of Business and Management, 6(8), 143–160.

Olatokun, W., & Owoeye, O. J. (2012). Influence of individual, organizational and system factors on attitude of online banking users. In Proceedings of Informing Science & IT Education Conference (InSITE). http://www.informingscience.org/Publications/1662?Type=ConferenceProceedings&ConferenceID=42 . Accessed May 25, 2016.

Pavlou, P. A. (2003). Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International Journal of Electronic Commerce, 7(3), 69–103.

Podsakoff, P. M., MacKenzie, S. B., Lee, J. Y., & Podsakoff, N. P. (2003). Common method biases in behavioral research: A critical review of the literature and recommended remedies. Journal of Applied Psychology, 88(5), 879.

Polasik, M., & Piotr Wisniewski, T. (2009). Empirical analysis of internet banking adoption in Poland. International Journal of Bank Marketing, 27(1), 32–52.

Rawashdeh, A. (2015). Factors affecting adoption of internet banking in Jordan: Chartered accountant’s perspective. International Journal of Bank Marketing, 33(4), 510–529.

Roselius, T. (1971). Consumer rankings of risk reduction methods. Journal of Marketing, 35(1), 56–61.

Rotchanakitumnuai, S., & Speece, M. (2003). Barriers to internet banking adoption: A qualitative study among corporate customers in Thailand. International Journal of Bank Marketing, 21(6/7), 312–323.

Rotchanakitumnuai, S., & Speece, M. (2004). Corporate customer perspectives on business value of Thai internet banking. Journal of Electronic Commerce Research, 5(4), 270–286.

Rotchanakitumnuai, S., & Speece, M. (2005). The impact of web-based service on switching cost: Evidence from Thai internet banking. In Proceedings of the 7th international conference on Electronic commerce. doi: 10.1145/1089551.1089555 .

Roy, S. K., Balaji, M. S., Kesharwani, A., & Sekhon, H. (2016). Predicting Internet banking adoption in India: A perceived risk perspective. Journal of Strategic Marketing. doi: 10.1080/0965254X.2016.1148771 .

Tabachnick, B. G., Fidell, L. S., & Osterlind, S. J. (2001). Using multivariate statistics. Boston: Peasron.

Tan, B. (2002). Understanding consumer ethical decision making with respect to purchase of pirated software. Journal of Consumer Marketing, 19(2), 96–111.

Tryfos, P. (1996). Sampling methods for applied research: Text and cases. New York: Wiley.

Westland, J. C. (2010). Lower bounds on sample size in structural equation modeling. Electronic Commerce Research and Applications. doi: 10.1016/j.elerap.2010.07.003 .

Westland, J. C. (2015). Structural equation models. Heidelberg: Springer.

Yiu, C. S., Grant, Y. K., & Edgar, D. (2007). Factors affecting the adoption of Internet banking in Hong Kong: Implications for the banking sector. International Journal of Information Management, 27(5), 336–351.

Yoon, H. S., & Barker Steege, L. M. (2013). Development of a quantitative model of the impact of customers’ personality and perceptions on Internet banking use. Computers in Human Behavior, 29(3), 1133–1141.

Yousafzai, S., Pallister, J., & Foxall, G. (2009). Multi-dimensional role of trust in internet banking adoption. The Service Industries Journal, 29(5), 591–605.

Zhao, A. L., Hanmer-Lloyd, S., Ward, P., & Goode, M. M. H. (2008). Perceived risk and Chinese consumers’ internet banking services adoption. International Journal of Bank marketing, 26(7), 505–525.