Financial Perceived Risk

The study uses the linear structural modeling method to identify the influence of perceived risk factors (including: privacy risk, financial risk, psychological risk, time risk, operational risk) on perceived usefulness and intention to use Mobile Banking, and studies the effect of perceived usefulness on intention to use Mobile Banking. Based on the research results, the article proposes some comments and recommendations to promote the enhancement of Mobile Banking.

8p nhanchienthien 25-07-2023 7 5   Download

The primary objective of this study is to identify factors affecting customer behavior intention toward using mobile payment services of millennials in Ho Chi Minh City, Vietnam. The proposed research model is based on the unified theory of acceptance and use of technology combining the perceived risk and trust.

13p vijihyo2711 25-09-2021 13 1   Download

This study examines factors influencing the investment intentions in MSE among business college students in East Gojjam Zone. A conceptual frame work was designed by integrating seven constructs from theory of planned behavior (Ajzen, 1991), investment decisions predicting model (Azwadi, 2011) and previous studies. Accordingly, attitude, subjective norms, perceived behavioral control, perceived risk, perceived return, perceived trust and financial literacy were taken as predictors of investments intentions in micro and small businesses.

11p tociitocii 24-04-2020 27 1   Download

This paper documents that state ownership is associated with higher stock liquidity, a finding consistent with lower investor risk perception of firms which benefit from state ownership, like preferential financing and regulation, and implicit government guarantees. The effect is found to be stronger when government ownership confers stronger benefits like firms with state controlling rather than non-controlling shareholders, and when the benefits of government ownership are important – for smaller firms, for financially constrained firms, and especially during the financial crisis period.

54p caygaocaolon4 04-04-2020 15 1   Download

The results of Structural equation modeling (SEM) indicate that Perceived financial cost, Perceived risk and Subjective norm are the most influencing factors that affect people’s behavioral intention to adopt (or continue to use) mobile banking. Findings of this study have greater significance for the mobile banking service providers and policy makers of Bangladesh to design mobile banking services in such a way so that access and usage of this service can be increased which ultimately will have a positive impact on the country’s financial inclusion campaign.

28p cothumenhmong4 24-03-2020 27 3   Download

Many corporate finance authors argue that market-based systems should be preferred in countries with high risk tolerance, because high risk offers higher return. However, few authors have empirically examined the relationship between entrepreneurs’ culture and companies’ financial decisions. In addition, most of these authors have focused their studies on the national culture rather than the culture of the individual entrepreneurs. This study aims to analyze the effect of the entrepreneurs’ cultural beliefs on financial choices, more specifically on the bank indebtedness of the company.

22p trinhthamhodang2 21-01-2020 45 1   Download

The goal of this research was to investigate the controversy surrounding the inability of SFAS 133 an amendment of SFAS 161 to portray the economics of hedging. This research examined whether or not BHCs’ design of hedge effectiveness tests was determined by the concern of the additional earnings volatility possibly evolved from economic hedges that do not qualify for hedge accounting.

16p vimadrid2711 18-12-2019 21 1   Download

The research inherited four factors from the research model of Nor, Nazarie, and Yusoff (2013): (1) Trust Propensity, (2) Testimonials, (3) Experience in Online Purchasing, (4) Financial Perceived Risk and based on the interview, the study developed two more factors: (5) Product Perceived Risk and (6) Time Perceived Risk.

13p vilusaka2711 18-11-2019 19 1   Download

to study how these perceived benefits and perceived risks influenced Internet users on buying apparel online. A survey of 298 white-collar women was carried out to identify the benefits and risks when buying apparel online. Five dimensions of perceived benefits (i.e. convenience shopping, abundance and liking product, competitive price, enjoyment, and comfortable shopping) and three dimensions of perceived risks (i.e. financial risk, product risk, and time risk) were ascertained by exploratory factor analysis.

12p vithomasedison2711 14-08-2019 35 2   Download

In Vietnam, online shopping is still in its early stages and consumers are reluctant to use the Internet for their shopping because of some barriers which have not yet clearly defined. The study examines four main online perceived risks - performance risk, financial risk, time risk and privacy risk - to see how they affect consumer’s attitude and online purchase intention.

16p danhnguyentuongvi 18-12-2018 30 1   Download

We live in a world where commodity prices can increase dramatically and then collapse, property prices can reach vertiginous levels and uncertainty is prevalent in all facets of economic life. But if we look more closely at this dynamic economic picture "risks" are not equally shared or perceived: for an airline company rising oil prices mean increased costs and the risk of reduced profits; for an investor looking for higher returns than a treasury bond, investment in oil is rewarded with high returns.

39p tieu_vu17 02-08-2018 22 3   Download

In everyday life we are often forced to make decisions involving risks and perceived opportunities. The consequences of our decisions are affected by the outcomes of random variables that are to various degrees beyond our control. Such decision problems arise, for instance, in financial and insurance markets.

350p namde02 08-03-2013 80 24   Download

Broadly defined, an audit is a systematic review of operations and practices to ensure that relevant requirements are met.Traditionally, the term audit is associated with principles of accounting. Because of this,many people perceive a safety audit as an Internal Revenue Service (IRS) procedure or a financial accounting procedure. Indeed, the safety audit may apply similar methodolo- gies used in financial audits to mitigate safety risks within any facility or opera- tion. A sound business enterprise must check its safety practices as carefully as its accounting records.

44p tay_thi_le 19-02-2013 62 7   Download

The philosophy of harnessing loyal customers as part of the sales and marketing team has increasingly become a driver of many industrial firms’ marketing and sales efforts. Due to the perceived high risk faced by potential buyers, companies selling complex solutions to industrial buyers and governmental institutions need to increase their credibility through customer references (e.g., Windahl et al., 2004; Salminen and Möller, 2006; Veres, 2009).

0p doiroimavanchuadc 06-02-2013 59 3   Download

The presence of the financial safety net can affect the behaviour of bank stock prices. Explicit provisions such as deposit insurance and the access to liquidity facilities by the central bank, as well as the perceived availability of state support in times of distress, can affect market discipline by numbing creditors’ sensitivity to risk-taking by banks.

29p quaivattim 04-12-2012 63 5   Download

Real and perceived quality gaps in public coverage and delivery systems serve as an impetus for PHI purchases in some countries. Waiting times, increasing demand for choice, and perceptions of inadequacy of public systems are leading motivations in Ireland, Australia, Denmark, and the United Kingdom. Where public cover is not provided, primary PHI policies are purchased mainly to minimise the financial risks associated with illness. Finally, the diversity in consumer attitudes and preferences is difficult to compare across countries.

30p quaivatxanh 01-12-2012 71 7   Download

We also suggest that interventions providing associated benefits in kind may be less likely than those offering a straightforward financial reward to be perceived as a 'purchase' of a body part: indeed, for egg-sharing we have noted the argument that the benefit being received is not financial at all in nature but rather the opportunity to bear a child. Given that one of the key concerns around any form of non-altruistic-focused intervention is the risk of material being mis- valued, we distinguish between these two approaches through rungs 5 and 6 on the Intervention Ladder.

0p quaivatdo 15-11-2012 60 1   Download