UNDERSTANDING CONSUMER ADOPTION OF INTERNET BANKING AN INTERPRETIVE STUDY IN THE AUSTRALIAN BANKING CONTEXT
Publish Year: 1393
نوع سند: مقاله کنفرانسی
زبان: English
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شناسه ملی سند علمی:
EAMS01_361
تاریخ نمایه سازی: 19 تیر 1394
Abstract:
This paper reports key findings from an interpretive study of Australian banking consumer experiences with the adoption of internet banking. The paper provides an understanding of how and why specific factors affect the consumer decision whether or not to bank on the internet, in the Australian context. A theoretical framework is provided that conceptualizes and links consumer-oriented issues influencing adoption of internet banking. The paper also provides a set of recommendations for Australian banks. Specifically, the findings suggest that convenience is the main motivator for consumers to bank on the internet, while there is a range of other influential factors that may be modulated by banks. The findings also highlight increasing risk acceptance by consumers in regard to internet-based services and the growing importance of offering deep levels of consumer support for such services. Gender differences are also highlighted. Finally, the paper suggests that banks will be better able to manage consumer experiences with moving to internet banking if they understand that such experiences involve a process of adjustment and learning over time, and not merely the adoption of a new technology.
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Authors
Sanjar Salajegheh
PhD in Management
Iman Poursheikhali
Master in Management
Somayeh Seyedi
Master in Management
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