Adoption of Internet banking among sophisticated consumer segments in an advanced developing country

International Journal of Bank Marketing 01/2004; 22(3):212-232. DOI: 10.1108/02652320410530322

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: This paper presents a systematic review of 165 research articles published on the adoption of Internet banking (IB) between 1999 and 2012. The results show that interest in the topic of IB adoption has grown significantly during this period, and remains a fertile area for academic research into the next decade. The findings reveal that the IB adoption literature can be classified according to three main themes: whether the papers seek to describe the phenomenon (descriptive); whether they seek to understand the interplay between the factors that drive adoption (relational); or whether they seek to draw higher level conclusions through a comparison across populations, channels or methods (comparative). A comprehensive list of references is presented, along with an agenda for future research that targets identified gaps in the literature.
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    ABSTRACT: Purpose – The aim of this paper is to investigate the influence of online behavior of internet users on the adoption of internet banking in Iran. Design/methodology/approach – The samples used in this empirical study include 560 persons who were among Iranian internet users and completed the interactive questionnaires. The statistical analysis which has been used in regard to the dichotomous decision of adopting internet banking services was logistic regression. Findings – The results reveal that the use of the internet for work or teamwork, selling or buying, finance activities or banking operations, and reading news, has significant relevance to the internet banking adoption, but using the internet with the purpose of having fun and entertainment and seeking commercial information does not have a significant effect on internet banking acceptance. Also, it was found that using the internet for reading news and hedonic goals has a negative effect on accepting internet banking. Other purposes of using the internet which were examined in this study had a positive effect on internet banking adoption in Iran. Practical implications – The findings of this research provide several ideas for the marketing of internet banking and for developing internet banking web sites. Useful insights are provided for internet banking adoption and costs reduction. Originality/value – The analysis is based on a random sample of internet users in Iran which has rarely been discussed in previous literature. Also this is the first study to investigate the influence of internet users’ behavior on internet banking adoption in Iran
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