Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport
ISSN (Print): 2376-1326 ISSN (Online): 2376-1334 Website: Editor-in-chief: Pr. Abdelfatteh Bouri
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Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport. 2016, 4(3), 40-48
DOI: 10.12691/jbe-4-3-1
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Perceived Risk and Behavioral Determinants of Using Internet Banking in Egypt

Amani Hussein1, and Mohamad Saad2

1Business Department, The British University in Egypt, Cairo, Egypt

2Department of Psychology, The British University in Egypt, Cairo, Egypt

Pub. Date: September 08, 2016

Cite this paper:
Amani Hussein and Mohamad Saad. Perceived Risk and Behavioral Determinants of Using Internet Banking in Egypt. Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport. 2016; 4(3):40-48. doi: 10.12691/jbe-4-3-1


Internet banking (IB), refers to the use of bank’s web site through which users access their banking accounts and conduct financial transactions. The success of IB is determined not only by banks or government support but also by users’ acceptance of it. Therefore, this research aims at examining perceived risk and behavioral determinants of using internet banking in Egypt. The research design a model based on using the original postulates of Technology Acceptance Model (TAM) perceived usefulness and perceived ease of use and introducing new factors (such as: security risk, financial risk, privacy risk, awareness, computer self-efficacy (CSE) and resistance to change (RTC)). Testing the hypotheses proposed in the research model involved developing and administering a questionnaire to a convenience 200 sample of bank customers in Egypt. The results indicate that the theoretical model provide good understanding of the factors that impact the intention to use IB. The results revealed that perceived usefulness and perceived ease to use have a positive and significant role in shaping the user’s intention to use IB. All different explanatory variables are significantly correlated with the outcome variable (intention to use internet banking). The structural Equation model occurs to have a reasonable and accepted goodness of fit indices. The correlation matrix along with the structural model support all the research hypotheses.

internet banking security privacy self -efficacy resistance to change awareness

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