| 000 -LEADER |
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| fixed length control field |
02549nab a22002537a 4500 |
| 003 - CONTROL NUMBER IDENTIFIER |
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| control field |
CITU |
| 005 - DATE AND TIME OF LATEST TRANSACTION |
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| control field |
20260729112656.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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| fixed length control field |
260511c2026 |||p| |||| 00| 0eng d |
| 100 1# - MAIN ENTRY--PERSONAL NAME |
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| Preferred name for the person |
Lauron, Kathleen Grace M. |
| Relator term |
author. |
| 245 10 - TITLE STATEMENT |
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| Title |
Online fraud risks and its impact on customer trust in digital financial services. |
| 264 #4 - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT) |
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| Date of publication, distribution, etc |
2026 |
| 520 ## - SUMMARY, ETC. |
|---|
| Summary, etc |
This study examined whether perceived online fraud risk influences customer trust in digital financial services among students in a university in Cebu City, Philippines. As young adults increasingly depend on e-wallets and mobile banking for daily transactions, understanding how fraud awareness shapes their trust is essential. A quantitative correlational design was employed, and a Likert-scale survey was administered to 310 students. The instrument demonstrated acceptable reliability (Cronbach’s α = 0.778). Results showed that students perceive online fraud as a serious and growing threat (M = 3.37), yet their trust in digital financial platforms remained moderately positive (M = 2.92). Simple linear regression revealed that perceived online fraud risk does not significantly predict customer trust (R² = 0.003, p = 0.34), indicating that fraud awareness explains almost none of the variation in trust. These findings suggest that students rely on functional trust—driven by convenience, usability, and platform performance—rather than on perceived safety. Despite high-risk awareness, students continue to use digital financial services because these platforms remain essential to daily life. The study highlights the need for service providers to strengthen platform reliability, user experience, and customer support, as these factors appear more influential in sustaining trust than perceived fraud risk alone. Future research should examine additional predictors of trust, including user satisfaction, digital literacy, and actual fraud experience, and consider longitudinal designs to track how trust evolves in changing digital environments. |
| 650 #0 - SUBJECT ADDED ENTRY--TOPICAL TERM |
|---|
| Topical term or geographic name as entry element |
Financial services industry. |
| 650 #0 - SUBJECT ADDED ENTRY--TOPICAL TERM |
|---|
| Topical term or geographic name as entry element |
Electronic funds transfers. |
| 650 #0 - SUBJECT ADDED ENTRY--TOPICAL TERM |
|---|
| Topical term or geographic name as entry element |
Computer fraud. |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Malinao, Brigette Rose E. |
| Relator term |
author. |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Detecio, Chris James T. |
| Relator term |
author. |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Abejero, Edward Louie Y. |
| Relator term |
author. |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Genon, Patricia Andrea A. |
| Relator term |
author. |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Abarquez, Paulino Jr. F. |
| Relator term |
author. |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Malubay, Ryan B. |
| Relator term |
author. |
| 773 ## - HOST ITEM ENTRY |
|---|
| Relationship information |
Volume 1, Issue 1 (February 2026), pages 97-109 |
| Title |
Semestral Research Compendium |
| 942 ## - ADDED ENTRY ELEMENTS |
|---|
| Source of classification or shelving scheme |
|
| Item type |
JOURNAL ARTICLE |