Harold AG, Wen LZ and Ruth IAE
Recent technological advancement and easy access to internet led to great improvements in business performances, especially the banking sector. The internet enables efficient transactions on hand-held gadgets such as smart phones and personal computers. Though there are numerous benefits, fraud and cyber-crimes via online system created scepticism from people and lack of trust in such systems has caused relatively slow growth of technology acceptance. This study model aims to examine the disposition, perceived risks, website dimensions and e-trust, and online self-efficacy influence an individual’s perception of the digitalization of the economy. For the purpose of the study, questionnaires were issued in various social platforms like Facebook and twitter to collect data and a total of 3000 respondents were sampled out of a group of millions. There was a significant difference in the results obtained from educated and uneducated individuals. Also, the male gender had an upper hand in computer skills than females. The results of the data collection method would be used to explain the effects of e-trust and the risks perceived for further research.
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