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Privacy, security, infrastructure and cost issues in internet banking in the Philippines: initial trust formation

Author

Listed:
  • Candy Lim Chiu
  • Jason Lim Chiu
  • Somkiat Mansumitrchai

Abstract

The overall purpose of this study is to develop an understanding of the issues that influence initial trust on behavioural intention to use internet banking in developing countries like the Philippines. The country has experienced sophisticated cyberattacks, slowest download internet speed and average internet costs per Mbps that are far above the global average standards. The study proposes and empirically tests if these issues influence initial trust formation with a sample of 454 local banks' customers who are non-users of internet banking services in the Philippines. Perceived costs, quality of infrastructure, privacy, security and disposition to trust were barriers to non-users' intentions to engage in any online financial transaction.

Suggested Citation

  • Candy Lim Chiu & Jason Lim Chiu & Somkiat Mansumitrchai, 2016. "Privacy, security, infrastructure and cost issues in internet banking in the Philippines: initial trust formation," International Journal of Financial Services Management, Inderscience Enterprises Ltd, vol. 8(3), pages 240-271.
    • Handle: RePEc:ids:ijfsmg:v:8:y:2016:i:3:p:240-271
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    Citations

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    Cited by:

    1. Thabit Altobishi & Gizem Erboz & Szilard Podruzsik, 2018. "E-Banking Effects on Customer Satisfaction: The Survey on Clients in Jordan Banking Sector," International Journal of Marketing Studies, Canadian Center of Science and Education, vol. 10(2), pages 151-161, June.
    2. Merhi, Mohamed & Hone, Kate & Tarhini, Ali, 2019. "A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust," Technology in Society, Elsevier, vol. 59(C).

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