The Relative Importance Of Trust Intentions And Trust Beliefs In Internet Banking Adoption

The purpose of this research is to examine trust conceptualization as a twodimensional construct by applying a revised trust model to investigate customers’ acceptance of Internet banking. Data was collected from two countries the United Kingdom (UK) and Saudi Arabia (KSA). The structural equation modeling analysis confirmed the fit of the proposed model. The analysis revealed that trust intentions was significant for Saudi users’ system adoption behavior, but not for UK users. This speculates the broad applicability of trust intentions across different cultural settings. Additionally, trust fully mediates the impact of service quality on behavioral intentions. The invariance analysis confirmed the conceptual agreement, but psychometric disagreement between the two groups was identified. Accordingly, post hoc analysis was conducted. The results suggest that the model, which conceptualize trust as a set of beliefs has better overall fit, higher percentage of the models’ hypothesized parameters that are significant, and more parsimonious in comparison to the model that conceptualize trust as beliefs and intentions. The study concludes that trust should be integrated into ebehavioral models as a set of beliefs. On the other hand, trust intentions may not necessarily be important in predicting customers’ e-behaviors.