Perceived risk and Chinese consumers' internet banking services adoption

Purpose – The purpose of this paper is to identify risk factors that discourage Chinese consumers from adopting internet banking services (IBS). This market is experiencing fast growth; however, an in‐depth understanding of Chinese consumers within this is lacking. Perceived risk is a key construct in Western consumer decision making, whereas whether this is true in China's IBS market is rarely researched. An exploration of this dynamic market is therefore critical to develop theoretical and practical implications.Design/methodology/approach – To maximise the comparability with existing Western findings, the current research adopts a quantitative approach to measure Chinese consumers' risk perception. However, as the existing literature provides limited guidelines associated with the current context, exploratory research was conducted to establish a general understanding and to identify additional elements of this particular market. A detailed instrument was developed and examined Chinese consumers' risk ...