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The study examines how two types of trust – institutional and system trust – predict online banking intentions (OBI) as a function of generational cohort membership.

The study uses a cross-sectional survey of 559 U.S. Amazon Mechanical Turk (MTurk) members using quota sampling from three generational groups: SGI (born before 1946), older boomer (born 1946–1954), and millennial (born 1977–1992).

Results showed generational cohort differences in system and institutional trust as well as OBI. Serial mediation model results showed the model where institutional trust precedes system trust best explains the relationship between generational cohort membership and OBI.

While diverse, the sample comprised of MTurk workers and relied on self-report measures of behavioral intentions, thus limiting the generalizability of our findings.

This study introduces two levels of e-trust into the technology acceptance literature and provides a guideline for financial institutions and system designers to understand the role of trust in driving online service adoption and use for different generations.

This study explores generational differences in technology use with special focus on older adults, which is yet to be fully explored in the literature. This study differentiates between two levels of e-trust and explores the order in which both trust types mediate the relationship between generational cohort membership and OBI.

The purpose of this research was to utilize protection motivation theory, which states that individuals will take actions to protect themselves from threats when they have both knowledge of actions that will protect them from the threat and the motivation to do so, to develop a better way of training adolescents to be safe on the Internet.

This study utilized an experimental approach in a high school environment to test its hypotheses. Participants were split into two groups: a group who received a tutorial about how to stay safe on the Internet (an enactive mastery tutorial that allowed students to actually try out the skills they were learning) and a group who did not receive the training. Participants were then asked about their intentions to engage in protective behaviors, their perceived ability to do so, and the likelihood that these protective behaviors would help them to stay safer on the Internet.

The findings indicated that an enactive mastery training program increased intentions to engage in safe online behavior in the future, offering a foundation for the development of future theory-based online safety interventions.

This study was conducted in a small geographic region in schools that agreed to utilize a class period to test the enactive mastery tutorial, which limits its external validity. Furthermore, this study only measured intentions to engage in protective behaviors, not actual behaviors.

This research provides a guideline for an effective way of increasing the likelihood that adolescents will engage in protective behaviors online, which has great practical applications for teachers, administrators, PSA advertisers, etc.

This chapter provides a framework for creating programs to help adolescents engage in safer behavior. Furthermore, it introduces the idea of involvement to the protection motivation theory literature, which is a valuable variable to consider when determining how to create an effective campaign to change behavior.