The Effect of Trust, Perceived Risk and Security on the Adoption of Mobile Banking in Morocco

Younes Lafraxo, Fadoua Hadri, Hamza Amhal, Amine Rossafi

2018

Abstract

This short paper shows an acceptability model developed based on UTAUT (Unified Theory of Acceptance and Use of Technology) and three additional factors namely “Perceived risk”, “Security” and “Trust”. The model was tested using 460 responses obtained from the almost 720mobile banking application users from five banks such as CIH, BP, AWB, CM, SGMB in Marrakech, Morocco. The first replies analysis, reveals that Performance expectancy, Effort Expectancy, Social influence and Security in Mobile banking show a significant positive impact on the users’ behavioural intention to accept mobile banking services. However, Trust, facilitating conditions and Perceived risk in the mobile application does not influence positively the behavioural intention. Note also that the resulting model of this study, still in progress, explains almost 62% of users’ intention to use mobile banking.

Paper Citation

in Harvard Style

Lafraxo Y., Hadri F., Amhal H. and Rossafi A. (2018). The Effect of Trust, Perceived Risk and Security on the Adoption of Mobile Banking in Morocco.In Proceedings of the 20th International Conference on Enterprise Information Systems - Volume 1: ICEIS, ISBN 978-989-758-298-1, pages 497-502. DOI: 10.5220/0006675604970502

in Bibtex Style

@conference{iceis18,
author={Younes Lafraxo and Fadoua Hadri and Hamza Amhal and Amine Rossafi},
title={The Effect of Trust, Perceived Risk and Security on the Adoption of Mobile Banking in Morocco},
booktitle={Proceedings of the 20th International Conference on Enterprise Information Systems - Volume 1: ICEIS,},
year={2018},
pages={497-502},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0006675604970502},
isbn={978-989-758-298-1},
}

in EndNote Style

TY - CONF

JO - Proceedings of the 20th International Conference on Enterprise Information Systems - Volume 1: ICEIS,
TI - The Effect of Trust, Perceived Risk and Security on the Adoption of Mobile Banking in Morocco
SN - 978-989-758-298-1
AU - Lafraxo Y.
AU - Hadri F.
AU - Amhal H.
AU - Rossafi A.
PY - 2018
SP - 497
EP - 502
DO - 10.5220/0006675604970502