Title: Investigating the impact of perceived risk of non-adoption on internet banking adoption

Authors: Nilamadhab Mohanty

Addresses: Chandragupt Institute of Management Patna (CIMP), Bihar, India

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.

Keywords: perceived risk of adoption; perceived risk of non-adoption; internet banking; technology acceptance model; TAM; PLS-SEM.

DOI: 10.1504/IJEBANK.2024.139909

International Journal of Electronic Banking, 2024 Vol.4 No.4, pp.319 - 338

Received: 19 Feb 2024
Accepted: 24 Mar 2024
Published online: 09 Jul 2024 *

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