Financial market functioning is defined as consumers’ belief that successful transactions with financial institutions (i.e., banks) can generally be anticipated (Pennington et al., 2003), which in turn may be positively related to relationship trust (Pennington et al., 2003). Also, when consumers believe that financial markets are generally functioning well, they may perceive less risk in switching to another service provider, which in turn may reduce their loyalty to their current bank (Sharma and Patterson, 2000).