Exploring Trust Factors in Virtual Finance: The Role of Human–Computer Interaction in Shaping User Intentions in Metaverse Banking

The objective of the study is to examine the trust elements influencing the intention to use banking on metaverse. Survey method was used to collect the primary data using simple random sampling technique. Human–computer trust model measurement scale was used to quantify the trust factors and evaluate its impact on users’ intention to use banking on metaverse. The data was analysed using Smart PLS and proposed a model framework by applying structure equation method. The analysis highlights that benevolence and competence has a statistically significant impact on trust, whereas intention to use is influenced by the antecedent trust positively. The study makes significant contribution in the field of immersive technology where the future researchers, academicians and banking system can refer to evaluate the users trust and usage intention of banking on metaverse.