The Productive Tension of Trust and Distrust: The Coexistence and Relative Role of Trust and Distrust in Online Banking

This study examines the effects of trustworthiness perceptions and trustor dispositions on trust and distrust as well as the downstream influence of trust and distrust on intention to use online banking. More than 500 college students located across two universities completed a survey to provide dat...

Full description

Saved in:
Bibliographic Details
Published in:Journal of organizational computing and electronic commerce 2010-10, Vol.20 (4), p.328-346
Main Authors: Benamati, John "Skip", Serva, Mark A., Fuller, Mark A.
Format: Article
Language:English
Subjects:
distrust
Electronic banking
electronic business
electronic commerce
Impact analysis
online banking
Perceptions
Studies
Trust
Citations: Items that this one cites
Items that cite this one
Online Access:Get full text
Tags: Add Tag
No Tags, Be the first to tag this record!
Description
Summary:This study examines the effects of trustworthiness perceptions and trustor dispositions on trust and distrust as well as the downstream influence of trust and distrust on intention to use online banking. More than 500 college students located across two universities completed a survey to provide data for the study. The findings from this study suggest that the "blind trust" and "blind distrust" perspectives used in isolation are incomplete and that a more comprehensive model of trust requires the inclusion of both perspectives. As hypothesized, results also support the assertion that trust and distrust are distinct constructs and that the established e-retailing trust nomological network holds in an online banking context. The study also contributes to the literature by establishing several distrust antecedents, as well as illustrating distrust's negative effect on intention to use online banking. Finally, the study illustrates how the influence of trust can overwhelm the effect of distrust in an online banking context.
ISSN:1091-9392
1532-7744
DOI:10.1080/10919392.2010.516632