The explosion of Internet usage and the huge funding initiatives in electronic banking have drawn the attention of researchers towards Internet banking. In the past, the conventional focus of Internet banking research has been on technological development, but this is now shifting to user‐focused research. Although millions of dollars have been spent on building Internet banking systems, reports have shown that potential users may not use the systems in spite of their availability. This points out the need for research to identify the factors that determine acceptance of Internet banking by the users. According to the technology acceptance model (TAM), perceived ease of use and perceived usefulness constructs are believed to be fundamental in determining the acceptance and use of various IT. These beliefs may however not fully explain the user's behavior toward newly emerging IT, such as Internet banking. Using the technology acceptance model (TAM) as a theoretical framework, this study introduces “perceived credibility” as a new factor that reflects the user's security and privacy concerns in the acceptance of Internet banking. It also examines the effect of computer self‐efficacy on the intention to use Internet banking. Based on a sample of 123 users from a telephone interview, the results strongly support the extended TAM in predicting the intention of users to adopt Internet banking. It also demonstrates the significant effect of computer self‐efficacy on behavioral intention through perceived ease of use, perceived usefulness, and perceived credibility.

Determinants of user acceptance of internet banking: an empirical study

Purpose – The purpose of this paper is to investige whether online environment cues (web site quality and web site brand) affect customer purchase intention towards an online retailer and whether this impact is mediated by customer trust and perceived risk. The study also aimed to assess the degree of reciprocity between consumers' trust and perceived risk in the context of an online shopping environment.Design/methodology/approach – The study proposed a research framework for testing the relationships among the constructs based on the stimulus‐organism‐response framework. In addition, this study developed a non‐recursive model. After the validation of measurement scales, empirical analyses were performed using structural equation modelling.Findings – The findings confirm that web site quality and web site brand affect consumers' trust and perceived risk, and in turn, consumer purchase intention. Notably, this study finds that the web site brand is a more important cue than web site quality in influencing...

The impact of online store environment cues on purchase intention: Trust and perceived risk as a mediator

Shopping risk perceptions: effects on tourists' emotions, satisfaction and expressed loyalty intentions.

https://cris.maastrichtuniversity.nl/ws/files/1110731/guid-7c93dc7e-f7ea-4371-89b2-292fc0bdf010-ASSET1.0.pdf

Consumer evaluations of store brands: effects of store image and product attributes

The influence of online information on investing decisions of reward-based crowdfunding

Re-conceptualizing consumer store image processing using perceived risk

Prepaid monetary incentive effects on mail survey response

Increasing mail-survey response using monetary incentives is a proven, but not always cost-effective method in every population. This paper tackles the questions of whether it is worth using monetary incentives and the size of the inducement by testing a logit model of the impact of prepaid monetary incentives on response rates in consumer and organizational mail surveys. The results support their use and show that the inducement value makes a significant impact on the effect size. Importantly, no significant differences were found between consumer and organizational populations. A cost–benefit model is developed to estimate the optimum incentive when attempting to minimize overall survey costs for a given sample size.

https://link.springer.com/content/pdf/10.1057%2Fpalgrave.jors.2602053.pdf

The optimum prepaid monetary incentives for mail surveys

Increasing mail survey response using monetary incentives is a proven, but not always cost-effective, method in every population. This paper tackles the questions of whether it is worth using monetary incentives and the size of the inducement by testing a regression model of the impact of prepaid monetary incentives on response rates in consumer and organizational mail surveys. The results support their use and show that the inducement value makes a significant impact on the effect size. Importantly, no significant differences were found between consumer and organizational populations.

Vince-Wayne Mitchell

Papers

Re-conceptualizing consumer store image processing using perceived risk

Prepaid monetary incentive effects on mail survey response

The optimum prepaid monetary incentives for mail surveys

Prepaid monetary incentives on mail survey response