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The Impact of Trust on Acceptance of Online Banking PDF Print E-mail
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By Prof. Charles Dennis

Dr. Bander Alsajjan

Abstract

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.

Keywords: Technology Acceptance Model, Trust, Online Banking

Citation: European Association of Education and Research in Commercial Distribution 27-30 June 2006 Brunel University – West London, United Kingdom