The Role of Trust on Online-Banking Acceptance

The digital revolution has changed almost all aspect of humans' life style in the new millennium. Nowadays, A customer can conduct a variety of banking and financial transactions from the comfort of their own home at any time of the day, any day of the week. However, banking is a business activity that requires a high degree of trust because it involves sensitive and private personal information. Consequently, online banking is an e-commerce activity that also requires a high degree of trust. This study collected 250 questionnaires to determine the antecedents that influence customers' trust in online banking. Moreover, to explore the importance of trust and distrust factors in acceptance of online banking by users, regression analysis has been run. These results indicated that increasing the level of perceive trust, perceive ease of use and perceive usefulness can increase the level of trust among the Iranian customers toward online banking.