| Title |
The dynamics of perceived risk facets and technology adoption: an extension to the technology acceptance model for digital banking in Egypt |
| Type |
MSc |
| Supervisors |
|
| Year |
2019 |
| Abstract |
Self-service technologies are indeed revolutionizing worldwide economies and are increasingly developed to consumers all over the world across multiple industries. In banking, the current study`s focus, service technologies reached a peak of mediums taking the form of digital branches attempting to provide all the time immediate financial solutions to different customers. However, is interacting with an entire e-service environment more stressful preventing adoption intentions or are the increasing benefits of the digital branches are to truly stimulate various businesses pushing customers to adopt a digital interface for acquiring multiple financial services. The current study adopted a qualitative exploratory approach followed by a quantitative approach attempting to investigate the behavioral nature of risk facets and further discover the impact of such facets on technology adoption and its main drivers. Results assured that the more the benefits of the technologies provided, the more customers are to adopt them. Surprisingly, the e-service`s performance is found the only inhibitor to adopting a digital financial interface. Additionally, risk facets were found heterogeneous following different patterns where each has an impact but is different in level and affection. |
| Keywords |
Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Adoption Intention (AI), Financial Risk (Fin.R), Performance Risk (Per.R), and Privacy Risk (Pri.R) |
| University |
University of Leeds |
| Country |
United Kingdom |
| Full Paper |
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