Does privacy and ease of use influence user trust in digital banking applications in Spain and Portugal?

Abstract

The growth of technology in recent years and the increased use of digital platforms has boosted e-commerce, where digital banking stands out in this research. The present study aims to analyze the impact of the variables privacy, ease of use and trust in digital banking. In addition, it studies whether this impact is affected by the nationality of the users. The study was conducted through a literature review and the dissemination of an online questionnaire using PLS software. The analysis validated the measurement scale and analyzed the structural model at different stages, which confirmed its validity and reliability. The research concludes that privacy positively influences trust and perceived ease of use by users. Moreover, it confirms that the higher the perceived ease of use, the higher the consumer trust. However, the research does not show significant results to support that the difference in nationality positively and directly influences the sense of trust, privacy and ease of use of the surveyed users.