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The Effect of Trust in the Intention to Use m-banking

Author

Listed:
  • Fernanda Leão Ramos

    (Pontifícia Universidade Católica do Rio de Janeiro PUC-Rio)

  • Jorge Brantes Ferreira

    (Pontifícia Universidade Católica do Rio de Janeiro PUC-Rio)

  • Angilberto Sabino de Freitas

    (Unigranrio - Universidade Grande Rio)

  • Juliana Werneck Rodrigues

    (Pontifícia Universidade Católica do Rio de Janeiro PUC-Rio)

Abstract

Despite the alleged benefits of m-banking, its acceptance has been short of industry expectations. One plausible explanation may be consumers' initial lack of trust in available services. The objective of the study is to investigate the effect of trust in the intention to use m-banking in the Brazilian context, specifically among users of the city of Rio de Janeiro. Therefore, we developed and tested a model that relates trust and its antecedents (familiarity, ease of use, perceived usefulness, safety, privacy and innovativeness) with the intention to use m-banking. We got a sample of 272 users of financial mobile apps and through structural equation modeling the hypotheses were tested. The results confirmed most of the proposed hypotheses, and we found significant relationships between the construct trust and other constructs, which significantly influence the intended use of banking services via m-banking.

Suggested Citation

  • Fernanda Leão Ramos & Jorge Brantes Ferreira & Angilberto Sabino de Freitas & Juliana Werneck Rodrigues, 2018. "The Effect of Trust in the Intention to Use m-banking," Brazilian Business Review, Fucape Business School, vol. 15(2), pages 175-191, March.
    • Handle: RePEc:bbz:fcpbbr:v:15:y:2018:i:2:p175-191
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    References listed on IDEAS

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    2. Joanna Ejdys & Aleksandra Gulc, 2020. "Trust in Courier Services and Its Antecedents as a Determinant of Perceived Service Quality and Future Intention to Use Courier Service," Sustainability, MDPI, vol. 12(21), pages 1-18, October.
    3. Malaquias, Rodrigo Fernandes & Silva, Altieres Frances, 2020. "Understanding the use of mobile banking in rural areas of Brazil," Technology in Society, Elsevier, vol. 62(C).
    4. Al-Momani, Ala'a M. & Ramayah, T. & Al-Sharafi, Mohammed A., 2024. "Exploring the impact of cybersecurity on using electronic health records and their performance among healthcare professionals: A multi-analytical SEM-ANN approach," Technology in Society, Elsevier, vol. 77(C).
    5. Shalini Srivastava & Sushama Vishnani, 2021. "Determinants of mobile bank usage among the bank users in North India," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(1), pages 34-51, March.
    6. Khan, Sohrab & Umer, Rahila & Umer, Shumaila & Naqvi, Shabbar, 2021. "Antecedents of trust in using social media for E-government services: An empirical study in Pakistan," Technology in Society, Elsevier, vol. 64(C).
    7. Md. Rahat Khan & Sanjoy Kumar Roy, 2023. "Moderating Effect of M-Banking Apps Users' Demographic Variables on the Relationship between the Ease of Use and Brand Trust," European Journal of Business Science and Technology, Mendel University in Brno, Faculty of Business and Economics, vol. 9(2), pages 249-265.

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