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Customers' perception of cybersecurity threats toward e-banking adoption and retention: A conceptual study

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dc.title Customers' perception of cybersecurity threats toward e-banking adoption and retention: A conceptual study en
dc.contributor.author Jibril, Abdul Bashiru
dc.contributor.author Kwarteng, Michael Adu
dc.contributor.author Chovancová, Miloslava
dc.contributor.author Denanyoh, Richard
dc.relation.ispartof Proceedings of the 15th International Conference on Cyber Warfare and Security, ICCWS 2020
dc.identifier.issn 2048-9889 Scopus Sources, Sherpa/RoMEO, JCR
dc.identifier.isbn 978-1-912764-52-5
dc.date.issued 2020
dc.citation.spage 270
dc.citation.epage 276
dc.event.title 15th International Conference on Cyber Warfare and Security, ICCWS 2020
dc.event.location Norfolk, VA
utb.event.state-en United States
utb.event.state-cs Spojené státy americké
dc.event.sdate 2020-03-12
dc.event.edate 2020-03-13
dc.type conferenceObject
dc.language.iso en
dc.publisher Academic Conferences and Publishing International Limited
dc.identifier.doi 10.34190/ICCWS.20.020
dc.relation.uri https://search.proquest.com/docview/2390160518?pq-origsite=gscholar
dc.subject cybersecurity en
dc.subject threats en
dc.subject e-banking en
dc.subject customer's perception en
dc.subject adoption en
dc.subject retention en
dc.description.abstract 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. © 2020. the authors. All Rights Reserved. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1009676
utb.identifier.obdid 43881205
utb.identifier.scopus 2-s2.0-85083400987
utb.identifier.wok 000560067200033
utb.source d-scopus
dc.date.accessioned 2020-05-06T19:41:54Z
dc.date.available 2020-05-06T19:41:54Z
dc.description.sponsorship Internal Grant Agency of FaME through TBU in Zlin [IGA/FaME/2019/008]
utb.contributor.internalauthor Jibril, Abdul Bashiru
utb.contributor.internalauthor Kwarteng, Michael Adu
utb.contributor.internalauthor Chovancová, Miloslava
utb.fulltext.affiliation Abdul Bashiru Jibril 1, Michael Adu Kwarteng 1, Miloslava Chovancova 1, Richard Denanyoh 2 1 Tomas Bata University in Zlin, Czech Republic 2 Sunyani Technical University, Ghana
utb.fulltext.dates -
utb.fulltext.sponsorship This work was supported by the Internal Grant Agency of FaME through TBU in Zlín No. IGA/FaME/2019/008; Project title: Country-of-origin effect on the domestic product (brand) purchasing intention and SME’s sustainability in developing countries. We are also grateful to Assistant Prof. Bedrich Zimola (vice-dean for international relations, TBU in Zlin) for his consultancy offered during the write-up.
utb.wos.affiliation [Jibril, Abdul Bashiru; Kwarteng, Michael Adu; Chovancova, Miloslava] Tomas Bata Univ Zlin, Zlin, Czech Republic; [Denanyoh, Richard] Sunyani Tech Univ, Sunyani, Ghana
utb.scopus.affiliation Tomas Bata University in Zlin, Czech Republic; Sunyani Technical University, Ghana
utb.fulltext.projects IGA/FaME/2019/008
utb.identifier.jel M2
utb.identifier.jel M30
utb.identifier.jel M31
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