网络信任感知风险和银行声誉对网络银行服务使用的影响

Q3 Computer Science

International Journal of Electronic Commerce Studies Pub Date : 2021-09-25 DOI:10.7903/IJECS.1927

Chatpong Tangmanee, Napalai Sritadawut

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引用次数: 1

摘要

网上银行服务的成功依赖于客户的信任。虽然其他研究考察了影响在线信任的因素，但很少有人研究他们感知的风险和感知的银行声誉对通过在线信任使用互联网银行服务的影响。目前的研究试图填补这一空白。具体而言，我们分析了（1）感知风险和银行声誉在多大程度上通过在线信任影响互联网银行服务的使用，以及（2）银行声誉对感知风险的影响。416名网上银行用户的样本返回了他们的问卷。使用验证性因子分析（CFA）和结构方程模型（SEM）对该模型进行了评估和验证。分析证实了感知风险和银行声誉对在线信托服务使用的显著影响，但银行声誉对感知风险的影响并不显著。除了将理论见解扩展到网上银行用户的网上信任之外，感知风险和银行声誉都是重要的解释。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Effects Of Perceived Risk And Bank Reputation Through Online Trust On The Use Of Internet Banking Services

Success in online banking services relies on customers’ trust. While other studies have examined factors affecting online trust, few have researched on the effects of their perceived risk and their perceived bank reputation on the use of Internet banking services through online trust. The current study attempts to fill this gap. Specifically, we analyzed (1) the extent to which the perceived risk and the bank reputation affect the use of Internet banking services through online trust, and (2) the extent to which the bank reputation affects the perceived risk. 416 samples of the Internet banking users returned their questionnaires. The model was assessed and verified using the confirmatory factor analysis (CFA) and the structural equation modeling (SEM). The analysis confirmed the significant effects of the perceived risk and the bank reputation on the use of the services through online trust, yet, the effect of the bank reputation on the perceived risk was not significant. In addition to extending theoretical insights into the Internet banking users’ online trust is significantly explained by both of the perceived risk and the bank reputation.

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来源期刊

International Journal of Electronic Commerce Studies Computer Science-Computer Science Applications

CiteScore

1.40

自引率

0.00%

发文量

期刊介绍： The IJECS is a double-blind referred academic journal for all fields of Electronic Commerce. To serve as an international platform, the IJECS encourages manuscript submissions from authors all around the world. As a multi-discipline journal, The IJECS welcome both technology oriented and business oriented electronic commerce research articles. The purpose of the International Journal of Electronic Commerce Studies is to promote electronic commerce research and provide worldwide scholars a place to publish their innovative work in electronic commerce. To be published in the journal, the manuscript must make strong empirical, theoretical, or practical contributions and highlight the significance of the contributions to the electronic commerce field. Thus, preference is given to submissions that test, extend, or build strong theoretical frameworks for electronic commerce theory, electronic commerce system development, and electronic commerce practice. The journal is not tied to any particular national context; the geographic distribution of authors publishing in the journal came from countries around the world. Articles introducing cases of innovative applications in electronic commerce around the world are also published in the journal. The journal provides scholars opportunities to realize the electronic commerce research and development around the world. Articles in the International Journal of Electronic Commerce Studies will include, but are not limited to the following areas.