Title: Impact of perceived risk on mobile banking usage intentions: trust as a mediator and a moderator

Authors: Ha Nguyen Van; Long Pham; Stan Williamson; Vu Thanh Huong; Pham Xuan Hoa; Pham Lam Hanh Trang

Addresses: Faculty of Business Administration, Banking Academy, 12 Chua Boc Street, Ba Dinh District, Hanoi, 8424, Vietnam ' School of Management, College of Business and Social Sciences, University of Louisiana, 700 University Avenue, Monroe, LA71209, USA; Department of Economics and Management, Thuyloi University, Hanoi, Vietnam ' School of Management, College of Business and Social Sciences, University of Louisiana, 700 University Ave, Monroe, LA71209, USA ' Graduate School, National Economics University, 207 Giai Phong Road, Hanoi, 8424, Vietnam ' School of Banking and Finance, National Economics University, 207 Giai Phong Road, Hanoi, 8424, Vietnam ' Faculty of Business Management, National Economics University, 207 Giai Phong Road, Hanoi, 8424, Vietnam

Abstract: This study examines the relationships among perceived risk, trust, and intention to use mobile banking. The research model is confirmed based on data collected from the customers of one of Vietnam's largest joint stock commercial banks. The results of statistical analysis show that the research model explains 60.2% of the variability of intention to use mobile banking. The results also show that perceived risk includes components such as financial risk, social risk, time risk, privacy risk, security risk, and performance risk. Furthermore, perceived risk is negatively related to trust and intention to use mobile banking, and trust has a positive relationship with intention to use mobile banking. Implications are drawn and useful for improving intention to use mobile banking.

Keywords: perceived risk; trust; intention to use mobile banking; Vietnam banking.

DOI: 10.1504/IJBEM.2020.106202

International Journal of Business and Emerging Markets, 2020 Vol.12 No.1, pp.94 - 118

Received: 22 Aug 2019
Accepted: 08 Oct 2019
Published online: 01 Apr 2020 *

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