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ain reason is that males have higher risk burdern than female.

Futhermore, it has been shown that older customers have higher perceived risk level than younger customers. The reason is that older customers have advantages in collecting information, product knowledge and life experience. Therefore, they can make faster decision for the risk.

Also, higher educated consumers have lower perceived risk than lower educated consumers. Added to this, lower income consumers have higher perceived risk than higher income customers. Last but not the least, it has been shown that the online banking experience is coming from frequent use. The higher frequency users have lower perceived risk.

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