Factors influencing Internet banking adoption

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Chechen Liao
Yi-Jen Huang
Tung-Heng Hsieh
Cite this article:  Liao, C., Huang, Y., & Hsieh, T. (2016). Factors influencing Internet banking adoption. Social Behavior and Personality: An international journal, 44(9), 1443-1456.


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As research on this topic is increasing, we analyzed consumer Internet banking adoption, with a particular focus on privacy, trust, and security based on an analysis of 670 responses to a survey. The results showed that prospective users’ privacy concerns, particularly the concerns of those who were more socially aware, were affected by their perception of online banking security vulnerability. The results corroborate those reported in previous research demonstrating the importance of consumer perception of a bank’s reputation and similarity to a related entity in creating trust. On the other hand, the results indicate that respondents were not affected by perceived size of the institution, and that privacy concerns did not have an adverse effect on prospective users’ decision to adopt Internet banking.

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