Perceived Risk Scale

This section asks a more detailed assessment of perceived risk associated with e-banking
usage. Please indicate the extent to which you agree or disagree with each of the following
statements.

(1=Strongly Disagree, 2=Disagree, 3=Neither Disagree Nor Agree, 4=Agree, 5=Strongly

Agree)

Statements 1 2 3 4 5
Perceived social risk:
SR1:I think that my friends would hold me in higher esteem,
1 2 3 4 5
If I use e-banking services.
SR2:I think that my some friends would think I am trying to
1 2 3 4 5
show off If I use e-banking services,
SR3:My friends and relations think I am being imprudent
when I use e-banking services instead of brick and mortar 1 2 3 4 5
branches.
SR:4Some people whose opinion I value think I am not acting
correctly when I use banking websites services instead of 1 2 3 4 5
brick and mortar branches.
SR5:I think using e-banking services negatively affect the
1 2 3 4 5
way other think of me.
SR6:I believe that I would miss the chance of social
1 2 3 4 5
interaction with bank staff, if I use e-banking.
SR7:I am sure that if I decide to e-banking and something
goes wrong with online transactions, my friends, family and 1 2 3 4 5
colleagues would think less of me.
SR8:I think that when my bank account incurs fraud or the
hacker invades, I would have potential loss of status in one’s 1 2 3 4 5
social group.
Perceived Security risk:
PSR1:The security system built into the e-banking website are
1 2 3 4 5
not strong to protect my bank account.
PSR2:I worry about giving my credit card number or login to
1 2 3 4 5
banking websites.
PSR3:When I send data to banking websites, I am worried
that they will be intercepted and modified by unauthorized 1 2 3 4 5
third parties like hackers.
PSR4:I would not feel secure sending sensitive information
1 2 3 4 5
across the e-banking.
Perceived time loss risk:
TS1:I would have to spend much time if I want to use e-
1 2 3 4 5
banking services.
TS2:Using e-banking services would lead to a loss of
convenience of me because I would have to waste a lot of 1 2 3 4 5
time fixing payments error.
TS3:It would take me lots of time to learn how to use online
1 2 3 4 5
banking services.
TS4:When I use banking websites I am concerned about
1 2 3 4 5
having to wait too long for the banking operations I need.
Perceived performance risk:
PS1:The e-banking website may not perform well and create
1 2 3 4 5
problems with my credit.
PS2:I think that The server of e-banking website do not
1 2 3 4 5
perform well sometime.
PS3:It is difficult to collect and understand the information
1 2 3 4 5
related to various financial products using e-banking services.
PS4:I am concerned that the banking operation does not
provide the financial advantages listed on the e-banking 1 2 3 4 5
websites.
PS5:It is very difficult to find out about the financial
characteristics (period, profitability etc...) of the financial 1 2 3 4 5
product/service acquired or about the e-banking operations.
Perceived financial risk:
FR1:I am afraid that I would lose money due to careless
mistakes such as wrong input of account number and wrong
1 2 3 4 5
input of the amount of money during transferring money using
e-banking.
FR2:I think that I could not get compensation from banks in
1 2 3 4 5
the situation of transaction error.
FR3:I think that use of e-banking services is related to
1 2 3 4 5
financial risk.
FR4:I think that use of e-banking services would create
1 2 3 4 5
financial loss for me.
Perceived privacy risk:
PPR1:I think that my signing up for and using an e-banking
services would lead to a loss of privacy for me because my 1 2 3 4 5
personal information would be used without my knowledge.
PPR2:I believe that internet hackers could take control of my
1 2 3 4 5
bank account if I use e-banking services.
PPR3:I think that e-banking website could provide my
1 2 3 4 5
personal information to other companies without my consent.
PPR4:I think that it increases the likelihood of receiving
1 2 3 4 5
spam.
PPR5:I think that use of e-banking services endanger my
privacy by using my personal information without my 1 2 3 4 5
permission.
PPR6:I think that I would not feel totally safe providing
1 2 3 4 5
personal privacy information over the e-banking.