acceptance and use of the technology model with the concept of perceived risk and trust. We explore user attitudes with a survey …

assets, and the ratio of price-to-earnings are risk indicators for bank failures. Silicon Valley Bank (SVB), Signature Bank … long-term investment to total assets ratio increases the bank failure risk. The risk of bank failure varies negatively with … the cash on hand to total assets ratio. Bank failure risk rises as the price-to-earnings ratio rises. In terms of …