Studying safe online banking behaviour : A protection motivation theory approach

In this paper, a conceptual research model is proposed to study safe online banking behaviour. The Protection Motivation Theory functions as the core of the model. The model is extended with additional variables, making it suitable for the online banking context. The coping perspective, which is central to the Protection Motivation Theory, seems to be valuable to study behaviour in information systems. By taking a cognitive behavioural perspective, it can be examined how individuals cope with threats, which may contribute to the development of effective intervention programs aimed at safe online banking.