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

Author

Listed:
  • Ha Nguyen Van
  • Long Pham
  • Stan Williamson
  • Vu Thanh Huong
  • Pham Xuan Hoa
  • Pham Lam Hanh Trang

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.

Suggested Citation

  • Ha Nguyen Van & Long Pham & Stan Williamson & Vu Thanh Huong & Pham Xuan Hoa & Pham Lam Hanh Trang, 2020. "Impact of perceived risk on mobile banking usage intentions: trust as a mediator and a moderator," International Journal of Business and Emerging Markets, Inderscience Enterprises Ltd, vol. 12(1), pages 94-118.
    • Handle: RePEc:ids:ijbema:v:12:y:2020:i:1:p:94-118
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    Citations

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    Cited by:

    1. Rakesh Kumar & Rubee Singh & Kishore Kumar & Shahbaz Khan & Vincenzo Corvello, 2023. "How Does Perceived Risk and Trust Affect Mobile Banking Adoption? Empirical Evidence from India," Sustainability, MDPI, vol. 15(5), pages 1-21, February.
    2. Hanif, Yasmeen & Lallie, Harjinder Singh, 2021. "Security factors on the intention to use mobile banking applications in the UK older generation (55+). A mixed-method study using modified UTAUT and MTAM - with perceived cyber security, risk, and tru," Technology in Society, Elsevier, vol. 67(C).
    3. Nhuong Bui & Zachary Moore & Hayden Wimmer & Long Pham, 2022. "Predicting Customer Loyalty in the Mobile Banking Setting: An Integrated Approach," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 14(1), pages 1-22, January.

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