TELKOMNIKA Telecommunication Computing Electronics and Control
Conceptual model of internet banking adoption with perceived risk and trust factors

TELKOMNIKA Telecommunication Computing Electronics and Control
Conceptual model of internet banking adoption with perceived risk and trust factors

Internet banking
Perceived risk
Technology acceptance model
Technology adoption
Trust

Understanding the primary factors of internet banking (IB) acceptance is
critical for both banks and users; nevertheless, our knowledge of the role of
users’ perceived risk and trust in IB adoption is limited. As a result, we
develop a conceptual model by incorporating perceived risk and trust into
the technology acceptance model (TAM) theory toward the IB. The proper
research emphasized that the most essential component in explaining IB
adoption behavior is behavioral intention to use IB adoption. TAM is helpful
for figuring out how elements that affect IB adoption are connected to one
another. According to previous literature on IB and the use of such
technology in Iraq, one has to choose a theoretical foundation that may
justify the acceptance of IB from the customer’s perspective. The conceptual
model was therefore constructed using the TAM as a foundation.
Furthermore, perceived risk and trust were added to the TAM dimensions as
external factors. The key objective of this work was to extend the TAM to
construct a conceptual model for IB adoption and to get sufficient theoretical
support from the existing literature for the essential elements and their
relationships in order to unearth new insights about factors responsible for
IB adoption.

Waleed A. Hammood, Afrig Aminuddin, Omar A. Hammood, Khairul Hafezad Abdullah, Davi Sofyan, Majid Rahardi

http://telkomnika.uad.ac.id

Feb 22, 2023

peri irawan

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