Cardiff University | Prifysgol Caerdydd ORCA
Online Research @ Cardiff 
WelshClear Cookie - decide language by browser settings

Adoption of internet banking services in China: is it all about trust?

Zhao, Anita Lifen, Koenig-Lewis, Nicole, Hanmer-Lloyd, Stuart and Ward, Philippa 2010. Adoption of internet banking services in China: is it all about trust? International Journal of Bank Marketing 28 (1) , pp. 7-26. 10.1108/02652321011013562

Full text not available from this repository.

Abstract

Purpose – Numerous empirical studies on internet banking services (IBS) adoption have focused either on perceived risk or trust; but rarely have they combined these concepts and used empirical evidence to investigate the relationship. This study aims to contribute to this field by looking simultaneously at the roles of trust and perceived risk on consumers' IBS usage intention. Design/methodology/approach – An integrated model explaining the interrelationships between trust, perceived risk and usage intention is developed. The research was conducted on a sample of 432 young Chinese consumers who can be classified as IBS early adopters. The quantitative findings are enhanced by the analysis of extensive qualitative data providing unique insights into this market. Findings – Results indicate that there is a significant relationship between trust and perceived risk and that both are crucial in explaining the internet banking usage intention. Furthermore, trust in the bank is fundamental not only to reducing risk perceptions of IBS in general but also to building trust in the banks' competence in terms of IBS activity. Originality/value – This research adds value to existing studies of online banking, which largely focus on trust and risk separately. In addition, it enables us to contribute to the current literature on the emerging Chinese IBS market, which is largely under‐researched.

Item Type: Article
Date Type: Publication
Status: Published
Schools: Business (Including Economics)
Subjects: H Social Sciences > HG Finance
T Technology > T Technology (General)
Publisher: Emerald
ISSN: 0265-2323
Last Modified: 20 Oct 2017 08:58
URI: http://orca.cf.ac.uk/id/eprint/70881

Citation Data

Cited 68 times in Google Scholar. View in Google Scholar

Cited 63 times in Scopus. View in Scopus. Powered By Scopus® Data

Actions (repository staff only)

Edit Item Edit Item