The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking

Abstract

This study examines which risk factors contribute most to perceived risk in Vietnam's mobile banking environment; explores the relationships among perceived risk, perceived value and intention to use mobile banking in Vietnam's mobile banking environment; and investigates any mediating role perceived value may have in the relationship between perceived risk and intention to use mobile banking in Vietnam's mobile banking environment. A convenience sample of 403 respondents who were customers of one of the largest joint stock commercial banks in Vietnam was used. The results of this study indicated that perceived risk is negatively related to intention to use mobile banking; that perceived value is positively associated with intention to use mobile banking; that perceived risk is negatively related to perceived value; and that perceived value plays a partial mediating role in the relationship between perceived risk and intention to use mobile banking.