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Table 3 Summary of the main findings of selected empirical studies related to trust

From: The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

References

Finding

Sample

Country or region

Hamidi and Safareyeh (2018)

Trust had a negative impact on the customer relationship and satisfaction

243 Customers

Iran

Haider et al. (2018)

Females had found a lack of IT knowledge and trust; therefore, its intention is significantly impacted by perceived credibility

243 Participants

Pakistan

Farah et al. (2018)

Facilitating condition, perceived risk, and trust had an insignificant impact on mobile banking

490 Respondents

Pakistan

Barkhordari et al. (2017)

Security and trust had a positive impact on using e-payment systems. The results insisted on technical, and transaction procedures access to security guidelines being the most influential factors on the perceived trust of customers

246 Respondents

Iran

Butt and Aftab (2013)

E-trust mediated the relationship between e-satisfaction and e-loyalty

292 Participants

Pakistan

Oliveira et al. (2014)

Facilitating conditions and behavioural intentions directly influence M-Banking adoption. Initial trust, performance expectancy, technology characteristics, and task technology fit have a total effects behavioural intention

194 Individuals

Portugal

Sikdar et al. (2015)

Trust and Ease of Use are relatively weaker and insignificant contributors toward overall customer satisfaction

280 Customers

India

Malaquias and Hwang (2015)

The result showed that the relationship between trust and risk perception is negative; moreover, the relationship between trust and age is negative; the rest of the relationships are positive

1077 Customers

Brazil

Yu and Asgarkhani (2015)

The empirical results indicated that, first, not all trusts precursors the authors' considered have a significant influence on generating consumers’ trust, and, second that influential weights of these precursors on building consumer trust vary across consumers, and cultures. Meanwhile, all factors on the E-Banking side hold greatly significant influence on consumers’ trust in both NZ and Taiwan cases

510, and 122 Customers

Taiwan, and New Zealand (NZ)

Koksal (2016)

Perceived compatibility, trialability, perceived usefulness, ease of use, perceived credibility, and trust positively, and significantly discriminate high-mobile banking adopters from low adopters. Moreover, it found that perceived self-efficacy separates customers through its willingness to adopt mobile banking

776 Customers

Lebanon

Szopiński (2016)

The results showed that the factors, which mostly determine the employment of online banking are the use of the Internet, taking advantage of other banking products as well as trust in commercial banks. The banking products that have the biggest influence on the use of online banking are mortgages, and credit cards

8663 Households

Poland

Malaquias and Hwang (2016)

The results showed that disclosure of MB security on bank websites has a positive relationship with trust in MB, but this relationship is significant only, for the respondents that have already visited the website of it's banks to obtain information about MB security

307 Students

Brazilian

Boateng et al. (2016)

The findings showed that websites' social feature, trust, compatibility with lifestyle, and online customer services have a significant effect on customers' intentions to adopt Internet banking. However, ease of use did not have a significant relationship to customers' intentions to adopt Internet banking

600 Customers

Ghana

Alalwan et al. (2017)

The results mainly showed that behavioural intention is significantly, and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value, and trust

343 Customers

Jordan

Arcand et al. (2017)

Trust is associated with security/privacy, and practice (regarded as utilitarian factors), while commitment/satisfaction is driven by enjoyment and sociality (dimensions more hedonic by nature)

375 Customers

Canada

Aboobucker and Bao (2018)

The findings showed perceived trust, and website usability were the possible obstructing factors that highly concerned Internet banking customers

186 Customers

Sri Lanka

Yuan et al. (2019)

The results confirmed the contributive, and mediating effects of trust, and commitment to continuous IB service usage intention. The study contributed to the literature by highlighting the role of trust, and commitment in predicting IB service continuous usage, and the finding provided useful implications, for bank management in retaining online customers

173 Students

USA