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Value and risk in business-to-business e-banking
Abstract:

The purpose of this paper is to examine the role of risk in the formation of perceptions of value in the b2b domain, specifically within e-banking. The functional relationships between three types of risk (performance, financial and psychological) and the benefits and sacrifices components of value are tested within a broader nomological network that includes e-service quality (as an antecedent of value) and satisfaction, word-of-mouth and intention to switch (as outcomes of value). The hypothesised relationships are tested, using Partial Least Squares, on data collected through a postal survey from167 UK-based SME organisations. The results confirm the significant but differential impact of the three types of risk on the two value components. Specifically performance risk and financial risk are found to be significant determinants of benefits, while psychological risk impacts on perceptions of sacrifices. We also provide evidence of the differential impact of the benefits and sacrifices components of value on satisfaction, and the existence of both direct and indirect (through satisfaction) impact of these components on word-of-mouth and intention to switch. This is the first documented empirical investigation of the impact of perceptions of risk in the study of perceptions of value within the domain of b2b marketing and consequently offers newinsights into the subject matter. The theoretical and managerial implications of the finding ar discussed and the manner in which the identified relationships can aid future research are explicated

Keywords: Value, Risk ,e-Banking
Author(s): .
Source: Industrial Marketing Management 41 (2012) 68–81
Subject: پول و ارز و بانکداری
Category: مقاله مجله
Release Date: 2012
No of Pages: 14
Price(Tomans): 0
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