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The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh

In Bangladesh, the expansion of Internet banking is beset with several infrastructural, institutional, and regulatory constraints. Despite the constraints, efforts by the Bangladesh Bank in modernizing the countrys payment system and commitment by the government in building 'Digital Bangladesh&...

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Main Authors: Ashraf, Mohammad A., Alam, Mirza M. D., Noor, Muhammad S. I.
Format: Article
Language:English
Published: Universiti Utara Malaysia Press 2010
Subjects:
HF Commerce
Online Access:https://repo.uum.edu.my/id/eprint/30536/1/MMJ%2014%2000%202010%2033-48.pdf
https://repo.uum.edu.my/id/eprint/30536/
https://e-journal.uum.edu.my/index.php/mmj/article/view/8965
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spelling my.uum.repo.305362024-03-13T08:51:45Z https://repo.uum.edu.my/id/eprint/30536/ The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh Ashraf, Mohammad A. Alam, Mirza M. D. Noor, Muhammad S. I. HF Commerce In Bangladesh, the expansion of Internet banking is beset with several infrastructural, institutional, and regulatory constraints. Despite the constraints, efforts by the Bangladesh Bank in modernizing the countrys payment system and commitment by the government in building 'Digital Bangladesh' have brought competition among the scheduled banks to improve banking services and rapidly adopt Internet banking on a wider scale. However, several opinion polls have revealed that many clients are found reluctant in adopting banking via the Internet because of their concerns about the privacy of the personal information they provide to online. Using the theory of planned behaviour as its theoretical basis, this study examined the relationships among beliefs about Internet privacy and trust, along with beliefs about perceived behavioural control and the expectations of important others and online banking behaviour. Data were collected from 327 university students. Analysis of the data indicates that beliefs about trust and privacy positively affect attitudes toward Internet banking, but attitude is found not to significantly affect Internet banking behaviour. Normative beliefs positively affect subjective norms which in turn affect Internet banking behaviour. Similarly, beliefs about self-efficacy regarding Internet banking positively affect perceived behavioural control, which in turn affects actual online banking behaviour. Universiti Utara Malaysia Press 2010 Article PeerReviewed application/pdf en cc4_by https://repo.uum.edu.my/id/eprint/30536/1/MMJ%2014%2000%202010%2033-48.pdf Ashraf, Mohammad A. and Alam, Mirza M. D. and Noor, Muhammad S. I. (2010) The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh. Malaysian Management Journal (MMJ), 14. pp. 33-48. ISSN 0128-6226 https://e-journal.uum.edu.my/index.php/mmj/article/view/8965 10.32890/mmj 10.32890/mmj 10.32890/mmj
institution Universiti Utara Malaysia
building UUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Utara Malaysia
content_source UUM Institutional Repository
url_provider http://repo.uum.edu.my/
language English
topic HF Commerce
spellingShingle HF Commerce
Ashraf, Mohammad A.
Alam, Mirza M. D.
Noor, Muhammad S. I.
The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh
description In Bangladesh, the expansion of Internet banking is beset with several infrastructural, institutional, and regulatory constraints. Despite the constraints, efforts by the Bangladesh Bank in modernizing the countrys payment system and commitment by the government in building 'Digital Bangladesh' have brought competition among the scheduled banks to improve banking services and rapidly adopt Internet banking on a wider scale. However, several opinion polls have revealed that many clients are found reluctant in adopting banking via the Internet because of their concerns about the privacy of the personal information they provide to online. Using the theory of planned behaviour as its theoretical basis, this study examined the relationships among beliefs about Internet privacy and trust, along with beliefs about perceived behavioural control and the expectations of important others and online banking behaviour. Data were collected from 327 university students. Analysis of the data indicates that beliefs about trust and privacy positively affect attitudes toward Internet banking, but attitude is found not to significantly affect Internet banking behaviour. Normative beliefs positively affect subjective norms which in turn affect Internet banking behaviour. Similarly, beliefs about self-efficacy regarding Internet banking positively affect perceived behavioural control, which in turn affects actual online banking behaviour.
format Article
author Ashraf, Mohammad A.
Alam, Mirza M. D.
Noor, Muhammad S. I.
author_facet Ashraf, Mohammad A.
Alam, Mirza M. D.
Noor, Muhammad S. I.
author_sort Ashraf, Mohammad A.
title The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh
title_short The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh
title_full The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh
title_fullStr The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh
title_full_unstemmed The Influence of Privacy and Trust on the Adoption of Internet Banking in Bangladesh
title_sort influence of privacy and trust on the adoption of internet banking in bangladesh
publisher Universiti Utara Malaysia Press
publishDate 2010
url https://repo.uum.edu.my/id/eprint/30536/1/MMJ%2014%2000%202010%2033-48.pdf
https://repo.uum.edu.my/id/eprint/30536/
https://e-journal.uum.edu.my/index.php/mmj/article/view/8965
_version_ 1794639848243462144
score 13.211869

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