Perceived risk by customers usually arise due to doubt related to the level of inconsistency between customer judgment


Perceived risk by customers usually arise due to doubt related to the level of inconsistency between customer judgment, actual behavior and technology fail to deliver the expected outcomes and lead to the losses Chen 2008; Koenig-Lewis 2010; Lee et al. 2007. There is a evidence of research on the importance of risk perceptions in deploying new technologies or services in technology adoption Gewald et al. 2006; Replace & Sinti 2006. In the context of mobile banking, perceived risk is more important due to the privacy threats and safety concerns Outn & Lin 2005. Second, the fear of losing PIN codes can also pose a security threat Kuisma et al. 2007. Third, some of the users are also afraid hackers can access their bank accounts through stolen PIN code (Poon 2008). Finally, some users may also have the fear of losing or theft of mobile devices with stored data Coursaris et al. 2003.

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