Be careful who you trust
: En kvantitativ studie om integritetsrisk och dess bakomliggande faktorer

Translated title of the thesis: Be careful who you trust: A quantitative study on integrity risk and its underlying factors
  • Feride Hoda
  • Benyamin Öksüz

    Student thesis: Bachelor


    Rapid development in technology due to digitalization has altered a myriad of people’s lives, as it provides the customers an opportunity to perform banking activities online. As a result of digital transition from traditional banking to online banking, fraud has occurred more frequently. Owing to this, banking customers have become skeptical about online banking and are more aware of its impact on their integrity.

    The purpose of this study is to examine trust, service quality and technology-acceptance in regard to the perceived integrity risk. Contrary to previous research, this study has constructed a research model built on trust, service quality and technology-acceptance, factors that have been perceived as having an impact on the integrity risk in conjunction with online banking. Utilizing the research model, three hypotheses have been created to further explore the research area.

    A positivistic research philosophy and a deductive research approach was implemented in this study. Furthermore, a quantitative research method in the form of questionnaires was used to gather and collect empirical data.

    The results, based on 101 respondents, show that trust and technology-acceptance have an impact on the integrity risk, however it also shows that service quality does not have an impact on the integrity risk.

    Date of Award2019-Jul-05
    Original languageSwedish
    SupervisorZahida Sarwary (Supervisor) & Heléne Tjärnemo (Examiner)

    Educational program

    • Degree of Bachelor of Science in Business and Economics

    University credits

    • 15 HE credits

    Swedish Standard Keywords

    • Business Administration (50202)


    • online banking
    • digitalization
    • integrity risk
    • trust
    • service quality
    • technology-acceptance

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