IDEAS home Printed from https://ideas.repec.org/a/iaf/journl/y2022i2p58-67.html
   My bibliography  Save this article

The Effects of Cyber Threats and Technical Problems on Customer's Attitude Towards E-Banking Services

Author

Listed:
  • Hasibul Islam

    (Pabna University of Science and Technology, Pabna, Bangladesh)

  • Jhansi Bharathi Madavarapu

    (University of Cumberlands, Cumberland, USA)

  • Nayan Kumar Sarker

    (Pabna University of Science and Technology, Pabna, Bangladesh)

  • Asfaqur Rahman

    (Pabna University of Science and Technology, Pabna, Bangladesh)

Abstract

The study showed the effect of cyber threats or technical problems on customer attitude towards e-banking services. A self-administered questionnaire was used to collect the data, and 400 respondents from eight divisions (Dhaka, Barisal, Rangpur, Chittagong, Khulna, Mymensingh, Rajshahi, and Sylhet) participated in the study. The researcher used a linear regression model to assess the relationship between dependent and independent variables. STATA and SPSS v. 25 program environment were used to conduct the statistical analysis. To determine the reliability of the data, Cronbach's Alpha was conducted and found acceptable internal consistency. Protection method (PM), Purposes of using e-banking (PUE), and Technical problems and challenges (TPC) were the independent variables. The dependent variables were ease of use (EU) and Security reason (SR). The study used two regression models for two dependent variables. The regression model (1) showed a significant effect of SR on PM, and there was no significant effect on SR on PUE and TPC. Another regression model (2) showed a significant effect of EU on PM and PUE, and there was no significant effect of EU on TPC. However, the total variance explained was still low in model 1 (22.6%) and model 2 (44.9%). The people of Bangladesh should be aware of e-banking services and technical problems. Future research should be conducted to discover more data and other variables affecting customer attitudes towards e-banking.

Suggested Citation

  • Hasibul Islam & Jhansi Bharathi Madavarapu & Nayan Kumar Sarker & Asfaqur Rahman, 2022. "The Effects of Cyber Threats and Technical Problems on Customer's Attitude Towards E-Banking Services," Oblik i finansi, Institute of Accounting and Finance, issue 2, pages 58-67, June.
    • Handle: RePEc:iaf:journl:y:2022:i:2:p:58-67
    DOI: 10.33146/2307-9878-2022-2(96)-58-67
    as

    Download full text from publisher

    File URL: http://www.afj.org.ua/pdf/903-vpliv-kiberzagroz-i-tehnichnih-problem-na-stavlennya-klientiv-do-poslug-elektronnogo-bankingu.pdf
    Download Restriction: no
    File URL: http://www.afj.org.ua/en/article/903/
    Download Restriction: no
    File URL: https://libkey.io/10.33146/2307-9878-2022-2(96)-58-67?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Ugwuja, V.C. & Ekunwe, P.A. & Henri-Ukoha, A., 2019. "Cyber risks in electronic banking: exposures and cybersecurity preparedness of women agro-entrepreneurs in South- South Region of Nigeria," 2019 Sixth International Conference, September 23-26, 2019, Abuja, Nigeria 295693, African Association of Agricultural Economists (AAAE).
    2. repec:ibf:ijmmre:v:5:y:2012:i:2:p:103-115 is not listed on IDEAS
    3. Somkiat Mansumitrchai & Candy Chiu, 2012. "Adoptation Of Internet Banking In Uae: Factors Underlying Adoption Characteristics," International Journal of Management and Marketing Research, The Institute for Business and Finance Research, vol. 5(1), pages 103-115.
    4. Marko Sarstedt & Erik Mooi, 2014. "A Concise Guide to Market Research," Springer Texts in Business and Economics, Springer, edition 2, number 978-3-642-53965-7, March.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Adam Malešević & Dušan Barać & Dragan Soleša & Ema Aleksić & Marijana Despotović-Zrakić, 2021. "Adopting xRM in Higher Education: E-Services Outside the Classroom," Sustainability, MDPI, vol. 13(14), pages 1-20, July.
    2. Costa Synodinos, 2019. "Environmental purchase behaviour concerns of African Generation Y students in South Africa," Proceedings of International Academic Conferences 9912363, International Institute of Social and Economic Sciences.
    3. Marzanna Witek-Hajduk & Tomasz Marcin Napiórkowski, 2017. "Manufacturers’ Benefits from Their Cooperation with Key Retailers in the Context of Business Models: A Cluster Analysis," International Journal of Management, Knowledge and Learning, International School for Social and Business Studies, Celje, Slovenia, vol. 6(1), pages 97-114.
    4. Riffat Ara Zannat Tama & Md Mahmudul Hoque & Ying Liu & Mohammad Jahangir Alam & Mark Yu, 2023. "An Application of Partial Least Squares Structural Equation Modeling (PLS-SEM) to Examining Farmers’ Behavioral Attitude and Intention towards Conservation Agriculture in Bangladesh," Agriculture, MDPI, vol. 13(2), pages 1-22, February.
    5. Hugo Padrón-Ávila & Raúl Hernández-Martín, 2019. "Preventing Overtourism by Identifying the Determinants of Tourists’ Choice of Attractions," Sustainability, MDPI, vol. 11(19), pages 1-17, September.
    6. Md Maruf Hossan Chowdhury & Mohammad Tarikul Islam & Imran Ali & Mohammed Quaddus, 2024. "The role of social capital, resilience, and network complexity in attaining supply chain sustainability," Business Strategy and the Environment, Wiley Blackwell, vol. 33(3), pages 2621-2639, March.
    7. Ng, Wei Keat Benny & Appel-Meulenbroek, Rianne & Cloodt, Myriam & Arentze, Theo, 2019. "Towards a segmentation of science parks: A typology study on science parks in Europe," Research Policy, Elsevier, vol. 48(3), pages 719-732.
    8. Xieyang Chen & Xingmin Shi, 2021. "Support or against coal mining? Host community perceptions of coal mining: a cluster analysis," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 23(5), pages 6819-6837, May.
    9. repec:ers:journl:v:xxiv:y:2021:i:special2:p:730-740 is not listed on IDEAS
    10. Goodell, John W. & Ben Jabeur, Sami & Saâdaoui, Foued & Nasir, Muhammad Ali, 2023. "Explainable artificial intelligence modeling to forecast bitcoin prices," International Review of Financial Analysis, Elsevier, vol. 88(C).
    11. Ming Yang & Jinglu Jiang & Melody Kiang & Fangyun Yuan, 2022. "Re-Examining the Impact of Multidimensional Trust on Patients’ Online Medical Consultation Service Continuance Decision," Information Systems Frontiers, Springer, vol. 24(3), pages 983-1007, June.
    12. Meldrick Arjay A. Magsino & Reynold S. Beredo & Arex A. Anza, 2014. "The Motivational Effects of LPU Awards of Excellence: Basis for Improvement," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 4(12), pages 371-397, December.
    13. Joyce Wanjiku Nderitu & Esther Waiganjo & George O. Orwa, 2021. "Evaluating effect of organizational culture on strategy implementation in private chartered universities in Kenya," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 10(2), pages 123-133, March.
    14. Kuppelwieser, Volker G. & Sarstedt, Marko & Tuzovic, Sven, 2014. "The role of context and motivation variables in mobile commerce usage — A further perspective on Chong (2013)," Technological Forecasting and Social Change, Elsevier, vol. 88(C), pages 156-161.
    15. Supanutt Sasiwuttiwat & Somkiat Tangkitvanich, 2019. "Is There an “East Asian Education Model”? A Study on Varieties of Education Regimes," Asian Economic Papers, MIT Press, vol. 18(1), pages 123-146, Winter/Sp.
    16. Grzegorz Maciejewski & Sylwia Mokrysz & Łukasz Wróblewski, 2019. "Segmentation of Coffee Consumers Using Sustainable Values: Cluster Analysis on the Polish Coffee Market," Sustainability, MDPI, vol. 11(3), pages 1-20, January.
    17. Barıs Aksu & Gulsen Akman, 2024. "How Eco-innovation Determinants and Eco-innovation Strategy Influences Sustainability Performance of SMEs? Mediating Role of Eco-innovation Strategy," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(2), pages 9368-9392, June.
    18. Imola Drigă, 2014. "Online Banking in The Romanian Banking System," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 14(2), pages 85-92.
    19. Seok Chan Jeong & Beom-Jin Choi, 2022. "Moderating Effects of Consumers’ Personal Innovativeness on the Adoption and Purchase Intention of Wearable Devices," SAGE Open, , vol. 12(4), pages 21582440221, November.
    20. Ibrahim Niftiyev & Gubad Ibadoghlu, 2023. "Longitudinal Principal Component and Cluster Analysis of Azerbaijan’s Agricultural Productivity in Crop Commodities," Commodities, MDPI, vol. 2(2), pages 1-21, May.
    21. Federico Fraboni & Gabriele Prati & Giulia Casu & Marco De Angelis & Luca Pietrantoni, 2022. "A cluster analysis of cyclists in Europe: common patterns, behaviours, and attitudes," Transportation, Springer, vol. 49(2), pages 591-620, April.

    More about this item

    Keywords

    Cyber Threats; E-banking; Security; Ease of Use; Technical Problems;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:iaf:journl:y:2022:i:2:p:58-67. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Serhiy Ostapchuk (email available below). General contact details of provider: https://edirc.repec.org/data/iafkvua.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.