Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

Effective security support remains a challenge, even for mobile banking applications; this is leading to the loss of many customers due limited protection customer data and privacy. Cyber threats include everything from identity theft malware email online fraud. Thus, businesses individuals should use risk assessment methods countermeasures protect their m-banking apps. With in mind, new model using Technology Acceptance Model (TAM) has been proposed. The broken down into six main countermeasure categories, namely: perceived risk, security, trust, ease use, usefulness service quality. To test model, structural equation modelling (SEM) was used. Our findings reveal that trust quality play key roles improving adoption In addition, indicate had negative impact on both clients’ attitudes toward services. proposed could increase apps by enhancing defenses against issues. enhances reduction (63.0%), (75.0%), (32.1%), (74.0%), (44.0%) (45.3%) ratios.