Adoption of Internet banking among sophisticated consumer segments in an advanced developing country
ABSTRACT This descriptive study was conducted to develop an understanding of consumers' attitudes and adoption of Internet banking among sophisticated consumers. Based on a random sample of academicians, demographic, attitudinal, and behavioral characteristics of Internet banking (IB) users and non-users were examined. The analyses revealed significant differences between the demographic profiles and attitudes of users and non-users. IB users were further investigated, and three sub-segments were defined according to a set of bank selection criteria. Finally, based on the similarities between various Web-based bank services, four homogeneous categories of services were defined.
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ABSTRACT: The development of electronic banking, especially internet banking has changed the relationship between the banks and its customers and has made the banks efficient which includes savings, improved marketing and communications, offer services regardless of geographic area, time and increased customer base. This empirical research study mainly focuses on investigating the major factors that influence users' perception towards internet banking service in Bangladesh. The existing literature was reviewed to discover reasons that would influence customers positively or negatively towards internet banking service. A structured questionnaire with 5 point Likert scale has been used to collect the data by conducting survey. The sample size is 170, chosen on a convenient basis. Data has been analyzed by using SPSS software (version: 17). From the findings, it was found that respondents use internet banking because they believe it is conveniently accessible to them and the conveniently accessible term includes elements such as webpage loading, ease of navigation, easy login process, website information, product features, transaction information, easy access and 24/7 internet banking. In contrast, along with the mind-sets of respondents, trustworthiness of internet banking, customer data privacy, reliability of internet banking service, integrated security elements, secure communication, latest encryption technology and freedom from danger/fraud are the foremost barriers of internet banking in Bangladesh. Furthermore, the result of hypotheses established that even though internet banking is conveniently accessible to all consumers in the present ICT environment, trust and security anxieties have significant impact on internet banking. Finally, some recommendations have been offered for higher authority of banks to take initiatives for making internet banking more admirable and trustworthy.
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ABSTRACT: Due to increasing Financial Crimes in Banking Systems Domain, Supervising on Banking Operations Is More Bolder than before. On other Hand, progress in Information Technology has brought significant changes which resulted in emergence of new type of Banking and Supervising. Virtual banking is based on computer software and systems that require minimum manpower and governance, risk and compliance (GRC) Management Systems is a system That Monitors operations of an enterprise in organization and IT view. With considering Background Studies in Application of GRC Systems in banking Scope, We Concentrate on Trust Issues in Relation with Banking and GRC Systems and We present a trust based Model for Supervising of Banking Systems. This paper firstly introduces a Supervisory Model for banking that based of GRC Approaches and Then We Modeling Trust with STS-ML Tropos tools. To end with, we discuss the final result and draw some conclusions about the constructed artifact.9th International Conference on e-Commerce in Developing Countries: with focus on e-Business (ECDC), Isfahan; 04/2015
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ABSTRACT: This research aims to explore whether Jordanian customers’ perceptions on intention and use of Internet banking services varies according to their demographic characteristics. According to prior literature, there are five demographic factors; namely: age, gender, income, education and customers’ experience with the computer and Internet. These have been considered in the current study. The required data was collected from field survey questionnaires administered to a convenience sample of Jordanian banking customers. The main statistical results indicated that the customers’ perceptions on intention and usage of Internet banking are significantly different according to age, education, and their experience with the computer and Internet. Yet, there was no significant difference that could be attributed to gender. The results also suggest that even though the vast majority of the respondents have a higher willingness to adopt Internet banking, the actual usage rates of the most Internet banking (IB) services are too low. Theoretical contributions, implications, limitations and future research directions are also outlined.United Kingdom Academy of Information Systems International Conference UKAIS, Oxford; 03/2015