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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