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Campo DC | Valor | Lengua/Idioma |
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dc.contributor.author | Briones de Araluze, Gorka | es-ES |
dc.contributor.author | Cassinello Plaza, Natalia | es-ES |
dc.date.accessioned | 2024-04-11T07:05:58Z | - |
dc.date.available | 2024-04-11T07:05:58Z | - |
dc.date.issued | 2023-07-25 | es_ES |
dc.identifier.issn | 2158-2440 | es_ES |
dc.identifier.uri | https://doi.org/10.1177/21582440231187607 | es_ES |
dc.description | Artículos en revistas | es_ES |
dc.description.abstract | . | es-ES |
dc.description.abstract | Open banking is one of the main transformational levers to improve competitiveness in retail banking by enabling client data sharing with third-party providers. This study enhances the traditional Technology Acceptance Model (TAM) constructs with two additional factors, initial trust and social influence, to understand clients’ behavioral intention to adopt open banking. The study analyzes a sample of 553 surveys in Spain, a country with an established open banking regulation (European Union’s Second Payment Services Directive). The proposed model showed robust explanatory capacity (R2 = 85%). Results show that perceived usefulness, social influence, and initial trust are essential in determining the behavioral intention to embrace open banking. Nevertheless, perceived ease of use plays a minor role, an outcome aligned with current fintech adoption literature. Our study implies that private agents should focus on highlighting the benefits of open banking while policymakers should work on regulatory frameworks to increase clients’ initial confidence. | en-GB |
dc.format.mimetype | application/pdf | es_ES |
dc.language.iso | en-GB | es_ES |
dc.rights | Creative Commons Reconocimiento-NoComercial-SinObraDerivada España | es_ES |
dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/es/ | es_ES |
dc.source | Revista: SAGE Open, Periodo: 1, Volumen: 13, Número: 3, Página inicial: en línea, Página final: en linea | es_ES |
dc.title | The relevance of Initial Trust and social influence in the intention to use open banking-based services: an empirial study | es_ES |
dc.type | info:eu-repo/semantics/article | es_ES |
dc.description.version | info:eu-repo/semantics/publishedVersion | es_ES |
dc.rights.holder | es_ES | |
dc.rights.accessRights | info:eu-repo/semantics/openAccess | es_ES |
dc.keywords | . | es-ES |
dc.keywords | open banking, technology acceptance model (TAM), social influence, initial trust, data sharing | en-GB |
Aparece en las colecciones: | Artículos |
Ficheros en este ítem:
Fichero | Tamaño | Formato | |
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20242116021332_SAGE PAPER The Relevance of Initial.pdf | 5,7 MB | Adobe PDF | Visualizar/Abrir |
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