2025, Vol. 6, Issue 2, Part T
The impact of information security on user trust in electronic banking services
Author(s): Anwar Ghazi Noaman, Ahmed Ghalib Badawe and Mohammed Hameed Nayyef
Abstract: For individuals in charge of information security in banks especially electronic banks information security has been one of the most important factors to create consumer confidence in banking services. Consequently, our study investigated the influence of information security on the confidence consumers have in electronic banking services in Iraq. This research applied the descriptive-analytic method for conducting the research. As a result of the study, there was an average level of user confidence in electronic banking services in Iraq 3.10 with a standard deviation of 1.04 as well as an average level for the three dimensions of user confidence in electronic banking services (security, satisfaction, meeting obligation). In addition, there was a statistically positive relationship between the application of information security and the confidence of consumers in electronic banking services in Iraq at the .01 level. Based upon these results, for each 1 percent increase in the application of information security technology, the confidence of consumers in electronic banking services in Iraq increased by 1.543%. These results confirm the major objective of our study. Thus, we recommend that a key strategy to improve the confidence of consumers in electronic banking services in Iraq would be to utilize advanced security technologies (i.e., encryption) to secure the confidentiality of the financial and personal information of consumers.
DOI: 10.22271/27084515.2025.v6.i2t.918
Pages: 1837-1846 | Views: 70 | Downloads: 27
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How to cite this article:
Anwar Ghazi Noaman, Ahmed Ghalib Badawe, Mohammed Hameed Nayyef. The impact of information security on user trust in electronic banking services. Asian J Manage Commerce 2025;6(2):1837-1846. DOI: 10.22271/27084515.2025.v6.i2t.918
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