More research with the alternative conceptualization of trust (trust as an intention
instead of a belief) would be useful in understanding the role of trust in the usage of
online banking services. Previous research has presented some factors having an impact
on trust such as familiarity and disposition to trust (Gefen, 2000). Tan and Thoen
(1999) evidenced that the level of trust is determined by trust mechanisms. Therefore,
further research considering these factors could enhance the understanding of customer
loyalty towards Internet banking.