Investigating the effect of trust towards electronic banking on actual usage of its services

The purpose of current study is to explore the effects of trust on perceived risk, willingness to adopt electronic banking, attitudes towards e-services, and consequently, actual usage of electronic banking services. The literatures of trust in electronic banking were reviewed, with a focus on e-services usage. The casual relationships among the variables of research were tested through structural equation modeling. A sample of ۲۵۰ customers of electronic banking services was selected by a simple random sampling plan. Results indicated that trust towards electronic banking services has a significant influence on perceived risk, attitude towards e-services, and willing to adopt e-services. Further, the findings revealed that perceived risk, attitude towards e-services, and willing to adopt e-services affect positively actual usage of e-services in banking industry.

Keywords:

Trust , Risk , Attitude , Usage of e-services , Electronic banking