Risk perception

Purpose: The aim of the present study was to model the mediating role of self-efficacy in the relationship between risk perception and psychological vulnerability in adolescents with social anxiety disorder. Methodology: The method of this research was correlation research based on structural equation modeling method. The statistical population of this study was all first grade students in the second-high school of Sari in the academic year of 1398-98. 260 subjects were selected using stage sampling method and Rundo & Aborson Risk Perception Questionnaire (2004), Social Anxiety Inventory (SPI), Psychological Injury Questionnaire (SCL-25) and Child and Adolescent Self-Efficacy Questionnaire (SEQ-C)) Answered. The statistical method of the research was structural regression equations according to spss24 and Amos23 software. Findings: The results showed that self-efficacy had a significant mediating role in the relationship between risk perception and psychological vulnerability in adolescents with social anxiety disorder, and there was a significant negative correlation between the components of risk perception and self-efficacy with psychological vulnerability. Conclusion: The results of this study emphasize the necessity of risk perception as well as the mediating role of self-efficacy on adolescents' psychological vulnerability.

Mobile banking is one of the modern banking channels that has developed in recent years, and its application has stood the test of recent time, proving to be quite advantageous to both banks and customers. However, although a noticeable number of people have refused to use it, this study, while being an affirmative one, attempts to identify trust factors (of people) in mobile banking and explain the key role of trust in making mobile banking widely acceptable. In this research, which is an applied-descriptive one, the required samples were selected through questionnaires and distributed randomly among people living in Tehran, Iran. Out of all 2350 questionnaires, 2087 formed the volume of research sample. To analyze the data and test the assumption, SPSS software was used; in addition, PLS software was used to measure Structural Equation Modeling (SEM). Based on the results, compared to women, men had more trust in mobile banking. Further, certain factors, such as education level, field of study corresponding to Information Technology (IT) field, job and its characteristics, social influence, innovation, and knowledge, had positive effect on trust; on the contrary, factors such as age and risk perception had negative effect on trust .