Transference as a means of building trust in World Wide Web sites
ICIS '99 Proceedings of the 20th international conference on Information Systems
Communications of the ACM
Trust in Cyberspace
Communication and Trust in Global Virtual Teams
Organization Science
Is anybody out there?: antecedents of trust in global virtual teams
Journal of Management Information Systems - Special section: Managing virtual workplaces and teleworking with information technology
Consumer reactions to electronic shopping on the world wide web
International Journal of Electronic Commerce
Empirical research in on-line trust: a review and critical assessment
International Journal of Human-Computer Studies - Special issue: Trust and technology
Trustworthiness in B2C e-commerce: an examination of alternative models
ACM SIGMIS Database
Journal of Management Information Systems
Trust in consumer-to-consumer electronic commerce
Information and Management
Managing customer retention in the UK online banking sector
International Journal of Information Technology and Management
Trust and the virtual environment: research and methodological considerations
International Journal of Networking and Virtual Organisations
Online Privacy: Measuring Individuals' Concerns
EC-Web '08 Proceedings of the 9th international conference on E-Commerce and Web Technologies
Assessing anti-phishing preparedness: A study of online banks in Hong Kong
Decision Support Systems
What Factors Influence the Individual Impact of the Web? An Initial Model
Electronic Markets
Determinants of behavioral intention to mobile banking
Expert Systems with Applications: An International Journal
A survey of e-banking performance in Thailand
International Journal of Electronic Finance
Trust in a specific technology: An investigation of its components and measures
ACM Transactions on Management Information Systems (TMIS)
Initial trust and adoption of mobile brokerage service
International Journal of Mobile Communications
The role of inter-channel trust transfer in establishing mobile commerce trust
Electronic Commerce Research and Applications
The Role of Usability in E-Commerce Services
International Journal of E-Business Research
The Role of Usability in E-Commerce Services
International Journal of E-Business Research
Journal of Organizational and End User Computing
The Journal of Strategic Information Systems
A systematic review of Internet banking adoption
Telematics and Informatics
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A possible reason for the delayed acceptance of the Internet as a retail distribution channel may be the lack of trust consumers have in the electronic channel and in the Web merchants. Few prior studies on the adoption of business-to-consumer e-commerce have considered trust in information technology as an important determinant of adoption behavior. This research explicitly encompasses the electronic channel and the merchant as objects to be trusted in a specific e-commerce application, i.e. Internet banking.Our conceptual model posits that initial trust in the electronic channel as a banking medium and trust in bank are the major determinants of adoption behavior. Based on social network theory and trust theory, determinants of trust in the electronic channel such as propensity-to-trust, word-of-mouth (WOM) referrals, structural assurances, are included in the research model.The analyses of independent variables indicated that propensity-to-trust, structural assurances, and relational content of WOM were significant predictors of initial trust in the electronic channel. Our findings also indicated that a significant relationship exists between initial trust in the electronic channel and the adoption of Internet banking. However, further analysis revealed that trust could be a necessary but not a sufficient condition for the adoption of Internet banking.