The Impact of Trust on Acceptance of Online Banking

Major benefits of Online Banking include for banks cost savings, and for customers convenience. Nevertheless, many people perceive Internet banking as risky. This paper introduces a tentative conceptual framework. Trust will be integrated into the Technology Acceptance Model – TAM - (Davis, 1989). Recent research showed that Trust has a striking influence on user willingness to engage in online exchanges of money and personal sensitive information. Detailed literature about Online Banking and Trust is provided. TAM is discussed in depth; external variables that are suitable for the Online Banking context is suggested. In addition the theoretical justification for the conceptual framework integration is discussed. Finally managerial implications and recommendations for Online Banking acceptance are suggested

A holistic framework of corporate website favourability

This paper extends the current knowledge of corporate website favourability (CWF) by developing a comprehensive conceptual model of its influence on corporate image, corporate reputation, loyalty and identification. The paper reviews previous studies on corporate websites from the perspectives of marketing, management, corporate identity and corporate visual identity in order to inform our understanding of the antecedents and consequences of CWF. The propositions and the conceptual framework present an approach by which a corporation can design and manage a favourable corporate website. A number of important contributions are offered: First, the paper adds to the understanding of CWF; second, it discusses the antecedents of CWF by drawing upon the existing literature; third, it is beneficial for practitioners in shaping CWF strategies, and fourth, it offers possible consequences of CWF and provides a framework for future testing

The model of customer trust for internet banking adoption

The use of the Internet has increased dramatically over recent years and is now regarded as the best channel for distribution of products and services of various types of businesses, such as internet banking services. This paper extends an area of information systems research into a financial services context by looking into the element of trust in Internet banking. As more financial institutions are currently seeking ways to boost Internet banking adoption rates, trust is also being examined as a significant issue in the relationship. This can be attributed to the fact that bank customers are concerned about the security involved in processing such sensitive material as financial information. Moreover, significant factors of trust are involved and these include: accessibility, privacy, security, quality, usability, users knowledge and disposition to trust. These can all have an impact on customer trust in adopting internet banking. Based on previous models with aforementioned variables that are theoretically justified as having an influence on trust, a relevant research model was developed to test eight (8) hypothesized paths among the study variables. These include, namely: accessibility, privacy, security, quality, usability, users knowledge, disposition to trust, trust, as well as the rate of internet banking adoption. Data was collected by survey questionnaires from a sample of 150 internet banking users. The Smart PLS tool was used for data analysis. The results of the data analysis generally support the model, as well as all of the proposed hypotheses. In summary, the results of this research have shown that accessibility, privacy, security, quality, usability, users knowledge and disposition to trust were found to have significant influence