IDEAS home Printed from https://ideas.repec.org/h/spr/eurchp/978-3-031-80256-0_21.html
   My bibliography  Save this book chapter

Does Perceived Risk Really Matter in Mobile Banking Behaviour?

In: Eurasian Business and Economics Perspectives

Author

Listed:
  • Rahmiati Rahmiati

    (Universitas Negeri Padang)

  • Perengki Susanto

    (Universitas Negeri Padang)

  • Yasri Yasri

    (Universitas Negeri Padang)

  • Muthia Roza Linda

    (Universitas Negeri Padang)

  • Erly Mulyani

    (Universitas Negeri Padang)

Abstract

In this study, perceived risk is used as a moderator to evaluate the factors influencing mobile banking (m-banking) utilization in West Sumatra. We specifically investigated m-banking adoption using UTAUT2 variables—behavioral intention, effort expectation, and performance expectation. The risk may impede the user’s behavioral intention to utilize technology in a particular environment. Therefore, perceived risk may influence m-banking behavioral intentions. The data were gathered through an online survey involving 137 residents of West Sumatra who actively use mobile banking services. The variance-based technique (VBT) of structural model analysis with partial least squares (PLS) was used for the data analysis. The research findings exhibit that perceived risk does not moderate the link between performance and effort expectancy on behavioral intention. On the other hand, this study reveals a direct effect of performance and effort expectations on users’ behavioral intentions. The results also illustrate how user intention affects the user behavior of m-banking usage. The research’s findings imply that besides enhancing the features of mobile banking applications for consumer benefit, banks should communicate potential issues associated with mobile banking usage and provide solutions to address them. By doing so, perceived benefits can outweigh perceived risks, thereby not impeding consumers’ intention to utilize m-banking services.

Suggested Citation

  • Rahmiati Rahmiati & Perengki Susanto & Yasri Yasri & Muthia Roza Linda & Erly Mulyani, 2025. "Does Perceived Risk Really Matter in Mobile Banking Behaviour?," Eurasian Studies in Business and Economics, in: Mehmet Huseyin Bilgin & Hakan Danis & Ender Demir & Zoltán Cséfalvay (ed.), Eurasian Business and Economics Perspectives, pages 347-360, Springer.
    • Handle: RePEc:spr:eurchp:978-3-031-80256-0_21
    DOI: 10.1007/978-3-031-80256-0_21
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;

    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:spr:eurchp:978-3-031-80256-0_21. 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.

    We have no bibliographic references for this item. You can help adding them by using 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    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.