南非移动银行系统上由情感驱动的客户行为所制定的系统性风险:通过人际行为理论视角的结构化文献综述

Lp Celliers, Hendrik Willem Pretorius
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引用次数: 0

摘要

系统性风险被认为是零售银行面临的最大风险之一,如果不是最大的风险。本文利用人际行为理论作为理论视角来理解由情感驱动技术在移动银行系统上制定的客户行为所引起的系统性风险。采用结构化文献综述作为研究方法,通过34篇研究论文选择确定的研究主题,即移动银行系统,系统性风险,SA零售银行和人际行为理论。从已确定的研究论文中,使用主题分析确定了几个子主题。这些发现表明,有几个因素(有意识的和无意识的)会影响客户通过移动银行系统制定系统性风险行为的意愿。综上所述,本文提出了一个基于人际行为理论的理论框架,用于解释手机银行系统上由情感驱动的客户行为所产生的系统性风险。鉴于本研究的局限性,本文还对未来的研究提出了一些建议,包括研究如何说服手机银行客户避免系统性风险行为。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Systemic risk enacted by emotionally driven client behaviour on South African mobile banking systems: A structured literature review through the theoretical lens of interpersonal behaviour
Systemic risk is considered as one of the greatest, if not the greatest risk faced by retail banks. This paper uses the Theory of Interpersonal Behaviour as theoretical lens to understand systemic risk caused by emotional driven technology enacted client behaviours on mobile banking systems.A structured literature review was selected as research method through which 34 research papers were selected for the identified research themes, namely mobile banking systems, systemic risk, SA retails banks and theory of interpersonal behaviour. From the identified research papers several sub themes were identified using a thematic analysis. These findings indicate that several factors (both conscious and nonconscious) have an impact on a client's intention to enact systemic risk behaviours via a mobile banking system.In conclusion the paper proposes a theoretical framework, based on the theory of interpersonal behaviour, for explaining systemic risk enacted by emotionally driven client behaviour on mobile banking systems. From the limitations of the study a number of future research recommendations are also made, including investigating how mobile banking clients can be persuaded to abstain from systemic risk behaviour.
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