Izvorni znanstveni članak
https://doi.org/10.51680/ev.35.1.9
Consumer evaluations of e-services: A perceived risk perception in financial institutions
Besim Beqaj
; University of Prishtina, Faculty of Economics, Prishtina, Kosovo
Granit Baca
orcid.org/0000-0002-8389-2483
; University of Prishtina, Faculty of Economics, Prishtina, Kosovo
Sažetak
Purpose: This research integrates the perceived risk theory and the technology acceptance model to identify the consumer’s perception of risk toward electronic banking services. The main purpose of this research is to see how consumers perceive risk and its dimensions in creating attitudes and continuing to use electronic banking services.
Methodology: To assess and measure customer perception, a questionnaire was adapted and distributed at branches of banks in Prishtina, which distributed the questionnaire to their customers. The confirmatory factor analysis and the regression analysis were performed in this study.
Results: From the data obtained we can conclude that, compared to the risk components, the perception of benefits has a greater impact on consumer decision-making when using electronic banking services.
Conclusion: This research has some implications. In theoretical terms, the findings provide a detailed perspective on the impact of risk components and benefits on attitudes and intention to use e-banking services. Whereas on the practical level, it provides recommendations for managers of commercial banks in Kosovo to create strategies and mechanisms aiming to increase security levels and consequently maximize customer trust in e-banking services.
Ključne riječi
electronic services; TAM; perceived risk; attitude
Hrčak ID:
280670
URI
Datum izdavanja:
10.6.2022.
Posjeta: 784 *