A study linking perceived risk to IT adoption determinants, co-authored with C. Martins and T. Oliveira, is scheduled to appear in February 2014 issue of International Journal of Information Management. The work titled Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application shows – through an empirical investigation – how perceived risk interplays with well-recognized UTAUT model variables. Abstract:
While understanding the main determinants of Internet banking adoption is important for banks and users, our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention.