Conceptualizing Initial Trust in Internet Banking Services: A Pilot Study

Ali Aljaafreh, Ahmed Al-Ani
2014 Information Systems Development  
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
more » ... ts 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.
dblp:conf/isdevel/AljaafrehA14 fatcat:atcefacg6ng2fpm2b73tbpltse