Factors Influencing Customer's Initial Trust of Internet Banking Services in the Jordanian Context

Publisher:
IBIM
Publication Type:
Conference Proceeding
Citation:
22nd IBIMA Conference, 2013, pp. 281 - 288
Issue Date:
2013-01
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Internet banking services (IBS) offer many benefits to customers and banks. IBS have widely adopted and used in developed countries, however IBS adoption in developing countries such as Jordan is still low. Lack of customer trust is considered as the most important impediment to the use of IBS in developing countries. The aim of this study is to investigate and identify the factors that influence customers initial trust of IBS in the Jordanian context. This paper adopts the qualitative literature survey approach and reports two main categories: Human category and Information Technology category. Human category includes: personality- based trust, cognition-based trust (Reputation), Institutional-based trust (structural assurance), social factors (culture) and supporting factors (relative advantages). Information Technology category includes: website factors (security, privacy, and general online experiences)). We argue that these factors can be useful for organisations in understanding and addressing customers initial trust about IBS in the Jordanian context.
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