Customers' Perception of Cybersecurity Threats Toward e-Banking Adoption and Retention: A Conceptual Study
Identifikátory výsledku
Kód výsledku v IS VaVaI
<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F20%3A63524876" target="_blank" >RIV/70883521:28120/20:63524876 - isvavai.cz</a>
Výsledek na webu
<a href="http://dx.doi.org/10.34190/ICCWS.20.020" target="_blank" >http://dx.doi.org/10.34190/ICCWS.20.020</a>
DOI - Digital Object Identifier
<a href="http://dx.doi.org/10.34190/ICCWS.20.020" target="_blank" >10.34190/ICCWS.20.020</a>
Alternativní jazyky
Jazyk výsledku
angličtina
Název v původním jazyce
Customers' Perception of Cybersecurity Threats Toward e-Banking Adoption and Retention: A Conceptual Study
Popis výsledku v původním jazyce
Internet technology keeps transforming the nature and processes of organizational goals because of its capacity to assist and enhance operational and managerial performance in both the business and non-business industries. However, the presence of cybersecurity threat and privacy issues have become rampant nowadays, considering the magnitude of digital-related transactions, particularly on internet banking systems. The harmful impact perceived from the said threats negatively affects the confidentiality, integrity, and availability of information to financial institutions (bank) and its customers. Again, the perception formed out of this displeasure (cybersecurity threat) interferes with bank customer’s decision process regarding the e-banking adoption (or engagement) and retention. In view of this, the present article seeks to; (1) review empirical constructs (cybersecurity threats) in the previous work regarding customer’s perception of cybersecurity threats that impedes e-banking adoption and retention and (2) propose a conceptual framework depicting the direct and indirect relationship among the constructs studied. Since the present study is entirely based on a conceptual study, we deployed both document and content analysis as a composite technique for executing the general aim of the study. Findings show that knowledge of perceived identity theft, perceived impersonation, and perceived account hijacked are regarded as cybersecurity threats from the customer’s viewpoint that impedes their e-banking adoption and retention. The review discovered that victims (bank customers) of such perceived threats are apparently skeptical in their quest to engage in e-banking adoption and retention. Similarly, the cybersecurity threat-related information, however, poses a danger to users and a sense of unwillingness to engage or retain in e-banking transaction space. Practically, the survival of every business largely depends on its customer base (retention), hence this study propels the financial institutions as a reminder to strategically strengthen their security and privacy concern inasmuch as cybercrime in the banking sector is concerned. In theory, the paper adds up to the concept of cybersecurity repercussion especially in the scope of internet banking. Limitations of this present study are highlighted in the concluding part of the entire paper.
Název v anglickém jazyce
Customers' Perception of Cybersecurity Threats Toward e-Banking Adoption and Retention: A Conceptual Study
Popis výsledku anglicky
Internet technology keeps transforming the nature and processes of organizational goals because of its capacity to assist and enhance operational and managerial performance in both the business and non-business industries. However, the presence of cybersecurity threat and privacy issues have become rampant nowadays, considering the magnitude of digital-related transactions, particularly on internet banking systems. The harmful impact perceived from the said threats negatively affects the confidentiality, integrity, and availability of information to financial institutions (bank) and its customers. Again, the perception formed out of this displeasure (cybersecurity threat) interferes with bank customer’s decision process regarding the e-banking adoption (or engagement) and retention. In view of this, the present article seeks to; (1) review empirical constructs (cybersecurity threats) in the previous work regarding customer’s perception of cybersecurity threats that impedes e-banking adoption and retention and (2) propose a conceptual framework depicting the direct and indirect relationship among the constructs studied. Since the present study is entirely based on a conceptual study, we deployed both document and content analysis as a composite technique for executing the general aim of the study. Findings show that knowledge of perceived identity theft, perceived impersonation, and perceived account hijacked are regarded as cybersecurity threats from the customer’s viewpoint that impedes their e-banking adoption and retention. The review discovered that victims (bank customers) of such perceived threats are apparently skeptical in their quest to engage in e-banking adoption and retention. Similarly, the cybersecurity threat-related information, however, poses a danger to users and a sense of unwillingness to engage or retain in e-banking transaction space. Practically, the survival of every business largely depends on its customer base (retention), hence this study propels the financial institutions as a reminder to strategically strengthen their security and privacy concern inasmuch as cybercrime in the banking sector is concerned. In theory, the paper adds up to the concept of cybersecurity repercussion especially in the scope of internet banking. Limitations of this present study are highlighted in the concluding part of the entire paper.
Klasifikace
Druh
D - Stať ve sborníku
CEP obor
—
OECD FORD obor
50204 - Business and management
Návaznosti výsledku
Projekt
—
Návaznosti
V - Vyzkumna aktivita podporovana z jinych verejnych zdroju
Ostatní
Rok uplatnění
2020
Kód důvěrnosti údajů
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů
Údaje specifické pro druh výsledku
Název statě ve sborníku
Proceedings of the 15th International Conference on Cyber Warfare and Security
ISBN
978-1-912764-52-5
ISSN
—
e-ISSN
—
Počet stran výsledku
7
Strana od-do
270-276
Název nakladatele
Academic Conference and Publishing International Limited
Místo vydání
Boston
Místo konání akce
Virginia
Datum konání akce
12. 3. 2020
Typ akce podle státní příslušnosti
WRD - Celosvětová akce
Kód UT WoS článku
000560067200033