Abstract
The adoption rate of Internet banking services (IBS) is considered to be relatively high in the developed countries; which is not the case for developing countries. The lack of trust plays a vital role in discouraging users from adopting IBS. Therefore, initial trust could be the starting point of making customers comfortable processing their banking transactions online. This study aims to propose a conceptual model of initial trust in IBS in developing countries. The proposed model integrates its constructs from: the trust literature, diffusion of innovation theory (DoI), and Hofstede’s national culture theory. This paper also aims to develop and validate a research instrument in order to examine the proposed model. We conducted a pilot study in Jordan, which is one of the developing countries, and refined the model and its instrument based on the obtained results.
Paper Type
Event
Conceptualizing Initial Trust in Internet Banking Services: A Pilot Study
The adoption rate of Internet banking services (IBS) is considered to be relatively high in the developed countries; which is not the case for developing countries. The lack of trust plays a vital role in discouraging users from adopting IBS. Therefore, initial trust could be the starting point of making customers comfortable processing their banking transactions online. This study aims to propose a conceptual model of initial trust in IBS in developing countries. The proposed model integrates its constructs from: the trust literature, diffusion of innovation theory (DoI), and Hofstede’s national culture theory. This paper also aims to develop and validate a research instrument in order to examine the proposed model. We conducted a pilot study in Jordan, which is one of the developing countries, and refined the model and its instrument based on the obtained results.
Recommended Citation
Aljaafreh, A. & Al-Ani, A. (2014). Conceptualizing Initial Trust in Internet Banking Services: A Pilot Study. In V. Strahonja, N. Vrček., D. Plantak Vukovac, C. Barry, M. Lang, H. Linger, & C. Schneider (Eds.), Information Systems Development: Transforming Organisations and Society through Information Systems (ISD2014 Proceedings).Varaždin, Croatia: Faculty of Organization and Informatics. ISBN: 978-953-6071-43-2. http://aisel.aisnet.org/isd2014/proceedings/ReshapingOrganisations/3.