Investigating the impact of perceived risk of non-adoption on internet banking adoption
by Nilamadhab Mohanty
International Journal of Electronic Banking (IJEBANK), Vol. 4, No. 4, 2024

Abstract: Based on TAM and the perceived risk theory, this study examines how consumers' perceived risk of non-adoption of internet banking (RISK-NA) affects attitude and intention to use it. Data was acquired from 513 Indian banking customers using a paper-based survey. For data analysis, PLS-SEM was used. The findings imply that perceived risk (RISK-A and RISK-NA) affects customer attitude towards internet banking but not intention. RISK-A negatively affects attitude, whereas RISK-NA positively affects it. Another finding is that PEU has a strong negative impact on RISK-A and RISK-NA has a positive effect on PU. The results imply that RISK-A and RISK-NA must be assessed for designing internet banking products and services with superior usefulness and ease of use. This is the first study to examine how RISK-NA affects consumer internet banking attitudes and intentions.

Online publication date: Tue, 09-Jul-2024

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