The Impact of Perceived Risks on Using Digital Finance Services in Egypt: The Mediating Role of Trust Expectation - A Field Study

This research aims to recognize the mediation role of trust expectation in the relationship between perceived risks and using digital finance services in Egypt. the sample of 384 was distributed among the respondents, data collected by the questionnaire, while a usable sample of 314 was retained for the analysis, and the response rate was 81.77%. the data was analyzed by structural equation modelling (SEM) by using AMOS V.25.
The results revealed that perceived risk had a negative and significant impact on trust expectation, that is when the perceived risk from the customer increase, the trust expectation will be decreased. However, trust expectation positive and significant impact on using digital finance services, that is when the trust expectation increase, the using digital finance services will be increased. in addition, the unmediated impact for perceived risk had a negative and significant impact on using digital finance services, that is when the perceived risk from the customer increase, the using digital finance services will be decreased, moreover, the indirect impact, was found that trust expectations partially meditate in the impact of perceived risks on the using digital finance services, that is when the trust expectations increase will the impact of perceived risks on the using digital finance services will be decreased. Hence, the researcher recommends the necessity to build trust, because customer prefers to use digital finance services with a high level of trust, since the use of these services is risky behavior, so he tends to use these services in which they are expected to be successful handling of risks.