Research Article Open Access

The Moderating Role of Risk, Security and Trust Applied to the TAM Model in The Offer of Banking Financial Services in Canada

Abstract

Based on the Technology Acceptance Model, this paper explores the importance of three moderator variables—‘Risk’ ‘Security’ and ‘Trust’ —in the consumer acceptance of online banking in a Canadian environment. The results highlight the predictive power and suitability of the proposed conceptual model, considering the introduction of three moderator variables. In fact, the findings stress that ‘Risk’ (Perceived Risk) could hamper the use of the internet banking, whereas Security and Trust could enhance the use of online banking.

JEAN-PIERRE LÉVY MANGIN, NORMAND BOURGAUL, CRISTINA CALVO PORRAL, OLIVIER MESLY, ISSAM TELAHIGUE, MYCALLE TRUDEL

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