The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria

This study had been carried out to investigate factors that influence the intention to accept internet banking and examined the mediating role of trust between technology factors and the intention to accept an internet banking. This study reviewed related technology acceptance theories and trust models. The decomposed theory of planned behaviour, innovation diffusion theory and trustworthiness technology were adopted. The aforementioned adopted models suggested five main factors namely; perceived behaviour control, attitude, subjective norm, trust and intention to accept internet banking. This was a quantitative research method. Questionnaire was adopted to 559 bank customers within Lagos, Port-harcourt and Abuja in Nigeria. The response rate is 55.85%, representing 391 worth questionnaires. SPSS and AMOS version 20 tools were utilized to analyze the data in reference to descriptive statistics, standardized regression and mediation effects. The initial model without mediation analyzes revealed 71% variance (R2) in customer intent to accept internet banking. However, when modified with trust mediating factors, the results revealed 74% variance, implying that trust contributed a 3% to the model. Consequently serves as a partial mediator towards the intention to accept internet banking in Nigeria. As a result, thorough understanding of this may assist practitioners in analyzing reason(s) for slow pace in acceptance of the technology, provide efficient measures to improving customers’ acceptance and provide an insight for academia about internet usage in Nigeria. Future studies can be directed towards replicating the use of this model in other locations and different analytical techniques

The relationship between medical literacy and trust in healthcare in Romania

The paper discusses the issue of patients’ trust in Romanian healthcare system, from the point of view of the information they get from the internet. Using cross-tabulations, correlations, and factorial analysis, based on data from the European Values Survey, we track the influence that internet literacy may have on healthcare related behaviour, choice, and trust. Further research should include primary data collection, in order to ensure a better focus on the niche we are interested in, and investigate adjacent factors which may interfere with healthcarerelated information retrieval and formation of patients’ trust in the healthcare system.healthcare system, Romania, trust, patients, internet, healthcare literacy.

A Trust Model Based on Service Classification in Mobile Services

Internet of Things (IoT) and B3G/4G communication are promoting the pervasive mobile services with its advanced features. However, security problems are also baffled the development. This paper proposes a trust model to protect the user's security. The billing or trust operator works as an agent to provide a trust authentication for all the service providers. The services are classified by sensitive value calculation. With the value, the user's trustiness for corresponding service can be obtained. For decision, three trust regions are divided, which is referred to three ranks: high, medium and low. The trust region tells the customer, with his calculated trust value, which rank he has got and which authentication methods should be used for access. Authentication history and penalty are also involved with reasons.Comment: IEEE/ACM Internet of Things Symposium (IOTS), in conjunction with GreenCom 2010, IEEE, Hangzhou, China, December 18-20, 201

Coping with Poorly Understood Domains: the Example of Internet Trust

The notion of trust, as required for secure operations over the Internet, is important for ascertaining the source of received messages. How can we measure the degree of trust in authenticating the source? Knowledge in the domain is not established, so knowledge engineering becomes knowledge generation rather than mere acquisition. Special techniques are required, and special features of KBS software become more important than in conventional domains. This paper generalizes from experience with Internet trust to discuss some techniques and software features that are important for poorly understood domains

Malay, Chinese, and internet banking

Purpose: The purpose of this paper is to focus on the impact of cultural traits on the intention to use internet banking. Drawing from the technology acceptance model and trust literature, the paper examines the influence of perceived ease of use, perceived usefulness, and trust on the intention to use internet banking among Malay and Chinese ethnic groups. Design/methodology/approach: The questionnaire was distributed to final year business students and Master of Business Administration students at four public universities in Malaysia. A separate multiple regression was employed to analyze the data for each ethnic group. Findings: For both ethnic groups, the results showed that perceived usefulness, perceived ease of use, and trust, all have significant effect on the intention to use internet banking. Further examination of the regression coefficients revealed the cultural traits that may explain the extent to which they influence factors that affect the intention to use. Research limitations/implications: Respondents of this study were students. This factor may decrease generalizability of the study because students' interest on the use of internet banking may be different from those of the general public. One research implication of this study is that there is a need to consider the role of culture in examining factors that affect behavioral intention. Practical implications: Banks need to highlight the benefits of internet banking, make internet banking easy to use, and enhance internet banking's security to improve consumers' trust. Given the fact that culture affects one's behavior, each customer group needs to be evaluated differently and the "one-size-fit-all" approach to encourage internet banking usage should be avoided. Originality/value: This paper attempts to link cultural traits that may explain the extent to which it influences factors that affect the intention to use internet banking

National culture and on-line trust: a study of internet Egyptian users

This research-in-progress investigates cultural issues in e-commerce trust. An experiential survey was conducted with three hundred and seventy Egyptian Internet users, exploring two book-seller web sites. Structure equation modeling analysis suggested that, for the target sample, perceived reputation and perceived familiarity with an Internet store have significant effect on building trust for that store. The paper discusses the importance of these two factors within the Egyptian culture

Individual trust and the internet

The emergence of Web 2.0 technologies and associated services heralded a second generation of the Internet emphasising collaboration and sharing amongst users. This resulted in a seismic shift in the relationship between individual consumers and firms but also between individual consumers and the Internet as a system. Consumers, not firms, became an emerging locus of value production and through the ability to publish and connect with known and unknown others, an emerging locus of power (Berthon, Pitt, Plangger, & Shapiro, 2012). Powered by broadband telecommunications and device connectivity, the intensity of these changes was further deepened by being freed from the desktop to the mobile web. We are more connected now than ever before. The high levels of societal interconnectedness encouraged by the internet have made trust an even more vital ingredient in today’s society (Hardin, 2006). The more recent development of Web 3.0 technology emphasises ubiquitous connectivity and a machine-facilitated understanding of information that may once more change the locus of activity, value production and control. In order to keep pace with the issues of contemporary society, trust researchers must consider the how trust relationships and perceptions operate and are influenced by the online environment. This chapter will discuss how traditional trust concepts translate to the online context and will examine empirical literature on online trust at three different levels. Interpersonal trust between individuals using the internet as a medium for communication is particularly relevant in a world where personal and professional relationships are increasingly mediated by technology. We will also discuss the role of the internet in relationships between individuals and organisations with particular attention to the provision of e-services. Finally, we discuss trust in the system of the internet itself as a distributed connected infrastructure made up of indirect system service providers which are often nameless or in the background. Our focus in the chapter is on individual trust in other individuals, organisations and the system of the internet itself. Trust from the perspective of the organisation may also be of interest to trust scholars. This includes issues relating to organisational trust in individuals, inter-organisational trust, and organisational trust in the system of the Internet itself however these topics are outside of the scope of this chapter (see Perks & Halliday, 2003; Ratnasingam, 2005)

Ethics of e-voting: an essay on requirements and values in Internet elections

In this paper, we investigate ethical issues involved in the development and implementation of Internet voting technology. From a phenomenological perspective, we describe how voting via the Internet mediates the relation between people and democracy. In this relation, trust plays a major role. The dynamics of trust in the relation between people and their world forms the basis for our analysis of the ethical issues involved. First, we consider established principles of voting, confirming the identity of our democracy, which function as expectations in current experiments with online voting in the Netherlands. We investigate whether and how Internet voting can meet these expectations and thereby earn trust, based on the experiments in the Netherlands. We identify major challenges, and provide a basis for ethical and political discussion on these issues, especially the changed relation between public and private. If we decide that we want to vote via the Internet, more practical matters come into play in the implementation of the technology. The choices involved here are discussed in relation to the mediating role of concrete voting technologies in the relation between citizen and state

Trust among Internet Traders: A Behavioral Economics Approach

Standard economic theory does not capture trust among anonymous Internet traders. But when traders are allowed to have social preferences, uncertainty about a seller's morals opens the door for trust, reward, exploitation and reputation building. We report experiments suggesting that sellers' intrinsic motivations to be trustworthy are not sufficient to sustain trade when not complemented by a feedback system. We demonstrate that it is the interaction of social preferences and cleverly designed reputation mechanisms that solves to a large extent the trust problem on Internet market platforms. However, economic theory and social preference models tend to underestimate the difficulties of promoting trust in anonymous online trading communities.