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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