Evaluating electronic trust in payment internet banking

this research, the condition of electronic trust of Melli Bank clients with regard to electronic payments in both status quo and desired situation is studied. For this purpose, 202 bank clients who have used the electronic payment services of this bank at least on one occasion within two-month period of study are selected as the sample group. In order to measure the variables of study, a questionnaire designed by the researcher was used and distributed among the samples after its reliability and validity were confirmed. Subsequent to gathering the data, the relationship between the model’s variables was studied using the structural equations model as well as Lisrel software. According to the results of this study, the relationship between electronic trust and the variables of perceived security, perceived privacy and perceived trustworthiness was not confirmed in Melli Bank status quo; however the relationship between perceived security, perceived privacy and perceived trustworthiness was confirmed with 95% of confidence. In order to investigate the degree of relationship between the variables, the correlation coefficient was used. The correlation coefficient of perceived trustworthiness and perceived security as well as perceived privacy was respectively 0.88 and 0.93, indicating a direct and significant correlation between them. In addition, according to study results, the relationship between electronic trust and the variables of perceived security and perceived trustworthiness was not confirmed in Melli Bank desired state, but the relationship between perceived trustworthiness and perceived security and perceived privacy as well as the relationship between electronic trust and perceived privacy were confirmed with 95% confidence. For the desired state, the correlation coefficient between perceived trustworthiness, perceived security and perceived privacy was respectively 1.02 and 0.90. Also, the correlation coefficient between electronic trust and perceived privacy was estimated at 0.85, indicating a direct and significant correlation between these variables.

Electronic Payment, Electronic Trust (e-trust), Structural Equations (Lisrel).