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The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking

Author

Listed:
  • Long Pham

    (School of Management, College of Business and Social Sciences, University of Louisiana at Monroe, Monroe, USA & Department of Economics and Management, Thuyloi University, Hanoi, Vietnam)

  • Stan Williamson

    (School of Management, College of Business and Social Sciences, University of Louisiana at Monroe, Monroe, USA)

  • Cyrus Mohebbi

    (School of Business, New York University, New York City, USA)

  • Binh Nguyen

    (Military Commercial Joint Stock Bank, Hanoi, Viet Nam)

  • Hien Nguyen

    (Vietnam - Japan Institute for Human Resources Development, Foreign Trade University, Hanoi, Vietnam)

Abstract

This study examines which risk factors contribute most to perceived risk in Vietnam's mobile banking environment; explores the relationships among perceived risk, perceived value and intention to use mobile banking in Vietnam's mobile banking environment; and investigates any mediating role perceived value may have in the relationship between perceived risk and intention to use mobile banking in Vietnam's mobile banking environment. A convenience sample of 403 respondents who were customers of one of the largest joint stock commercial banks in Vietnam was used. The results of this study indicated that perceived risk is negatively related to intention to use mobile banking; that perceived value is positively associated with intention to use mobile banking; that perceived risk is negatively related to perceived value; and that perceived value plays a partial mediating role in the relationship between perceived risk and intention to use mobile banking.

Suggested Citation

  • Long Pham & Stan Williamson & Cyrus Mohebbi & Binh Nguyen & Hien Nguyen, 2019. "The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking," International Journal of Enterprise Information Systems (IJEIS), IGI Global, vol. 15(4), pages 1-25, October.
    • Handle: RePEc:igg:jeis00:v:15:y:2019:i:4:p:1-25
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