Next Article in Journal
Linking Biodiversity and Human Wellbeing in Systematic Conservation Assessments of Working Landscapes
Previous Article in Journal
Training Leaders to Facilitate an Energy Transition: Retrospective Evaluation of Course Design
Previous Article in Special Issue
The Impact of Marketing Communication and Islamic Financial Literacy on Islamic Financial Inclusion and MSMEs Performance: Evidence from Halal Tourism in Indonesia
 
 
Search for Articles:
Title / Keyword
Author / Affiliation / Email
Journal
Article Type
 
 
Advanced Search
 
Section
Special Issue
Volume
Issue
Number
Page
 
Journals
Sustainability
Volume 15
Issue 13
10.3390/su15139908
sustainability-logo
Submit to this Journal Review for this Journal Propose a Special Issue
► Article Menu

Article Menu

share Share announcement Help format_quote Cite question_answer Discuss in SciProfiles
first_page
settings
Order Article Reprints
Font Type:
Arial Georgia Verdana
Font Size:
Aa Aa Aa
Line Spacing:
Column Width:
Background:
Article

Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

by
Mohammed Amin Almaiah
1,2,*,
Shaha Al-Otaibi
3,*,
Rima Shishakly
4,
Lamia Hassan
5,
Abdalwali Lutfi
5,
Mahmoad Alrawad
5,6,
Mohammad Qatawneh
7 and
Orieb Abu Alghanam
7
1
Faculty of Information Technology, Applied Science Private University, Amman 11931, Jordan
2
Department of Computer Networks, College of Computer Sciences and Information Technology, King Faisal University, Al-Ahsa 31982, Saudi Arabia
3
Department of Information Systems, College of Computer and Information Sciences, Princess Nourah Bint Abdulrahman University, P.O. Box 84428, Riyadh 11671, Saudi Arabia
4
Management Department, College of Business Administration, Ajman University, Ajman 346, United Arab Emirates
5
College of Business, King Faisal University, Al-Ahsa 31982, Saudi Arabia
6
College of Business Administration and Economics, Al-Hussein Bin Talal University, Ma’an 71111, Jordan
7
King Abdullah the II IT School, Department of Computer Science, The University of Jordan, Amman 11942, Jordan
*
Authors to whom correspondence should be addressed.
Sustainability 2023, 15(13), 9908; https://doi.org/10.3390/su15139908
Submission received: 31 March 2023 / Revised: 31 May 2023 / Accepted: 2 June 2023 / Published: 21 June 2023
(This article belongs to the Special Issue Marketing and Sustainable Development: A Predictive Empirical Insight)
Browse Figures
Versions Notes

Abstract

Effective security support remains a challenge, even for mobile banking applications; this is leading to the loss of many customers due to limited protection of customer data and privacy. Cyber threats include everything from identity theft to malware threats and email and online fraud. Thus, businesses and individuals should use risk assessment methods and countermeasures to protect their m-banking apps. With this in mind, a new model using the Technology Acceptance Model (TAM) has been proposed. The model has been broken down into six main countermeasure categories, namely: perceived risk, perceived security, perceived trust, ease of use, usefulness and service quality. To test this model, structural equation modelling (SEM) was used. Our findings reveal that perceived security, perceived trust and service quality play key roles in improving the adoption of mobile banking apps. In addition, the findings indicate that perceived risk had a negative impact on both clients’ trust and their attitudes toward the use of mobile banking services. The proposed model could increase the adoption of m-banking apps by enhancing their defenses against security risk issues. The model enhances the risk reduction (63.0%), data protection (75.0%), trust (32.1%), quality of service (74.0%), ease of use (44.0%) and usefulness (45.3%) ratios.
Keywords: mobile banking apps; TAM; perceived security; perceived trust; service quality; structural equation model (SEM) mobile banking apps; TAM; perceived security; perceived trust; service quality; structural equation model (SEM)

Share and Cite

MDPI and ACS Style

Almaiah, M.A.; Al-Otaibi, S.; Shishakly, R.; Hassan, L.; Lutfi, A.; Alrawad, M.; Qatawneh, M.; Alghanam, O.A. Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM. Sustainability 2023, 15, 9908. https://doi.org/10.3390/su15139908

AMA Style

Almaiah MA, Al-Otaibi S, Shishakly R, Hassan L, Lutfi A, Alrawad M, Qatawneh M, Alghanam OA. Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM. Sustainability. 2023; 15(13):9908. https://doi.org/10.3390/su15139908

Chicago/Turabian Style

Almaiah, Mohammed Amin, Shaha Al-Otaibi, Rima Shishakly, Lamia Hassan, Abdalwali Lutfi, Mahmoad Alrawad, Mohammad Qatawneh, and Orieb Abu Alghanam. 2023. "Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM" Sustainability 15, no. 13: 9908. https://doi.org/10.3390/su15139908

APA Style

Almaiah, M. A., Al-Otaibi, S., Shishakly, R., Hassan, L., Lutfi, A., Alrawad, M., Qatawneh, M., & Alghanam, O. A. (2023). Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM. Sustainability, 15(13), 9908. https://doi.org/10.3390/su15139908

Note that from the first issue of 2016, this journal uses article numbers instead of page numbers. See further details here.

Article Metrics

Back to TopTop