Perceived risk of mobile banking among moroccan consumers: which measurement instrument?

Abstract

Perceived risk has been the focus of several researches in consumer behavior’s field, particularly in light of the rise of new technologies and, specially, mobile phones, notably in the banking industry, where banks constantly strive to solicit the trust of their customers in order to encourage them to use the services offered on mobile applications. Our research outcomes have enabled the development of a valid and reliable measure instrument of perceived risk’s concept. This instrument comprises six 6 items covering time risk, social risk, privacy risk and security risk,. However, we decided to exclude three items from the initial list, one related to the social aspect and two related to the performance of mobile banking applications.