• 제목/요약/키워드: usage of Internet banking

검색결과 28건 처리시간 0.028초

인터넷 뱅킹의 이용에 영향을 미치는 요인 연구 : 소비자 태도의 매개적 역할과 서비스 이용 유형을 중심으로 (A Study on the Factors Affecting the Usage of Internet Banking considering mediating role of customer's attitude and service types)

  • 전병호;한필구;강병구
    • 디지털산업정보학회논문지
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    • 제6권4호
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    • pp.279-295
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    • 2010
  • Technology development has reshaped not only the business environment but also financial service. The purpose of this study is to investigate the factors affecting customer's attitude and usage of Internet banking. Based on prior studies, this study identifies usefulness, ease of use, innovativeness, social influence, quality, cost as affecting factors of customer's attitude and usage of Internet banking. This study intends to do a comparison analysis the relationship between customer's attitude and usage of Internet banking by classifying Internet banking service into inquiry, transfer, and other service. Result shows that usefulness, quality, and cost are significantly related to the customer's attitude toward Internet banking service, but ease of use, innovativeness, and social influence are not. Even though customer's attitude was found to be significantly related to the use of Internet banking, the degree of it was different by service types inquiry, transfer, and other service in a row. It implicates that usage of Internet banking still centered on inquiry service.

An Application of TAM and TRI on the Factors Affecting Internet Banking Adoption in Bangladesh

  • AMIN, Md. Iftekharul;ERFAN, Nafis;NAVID, Mashrur;KHAN, Mohammed Shafiul Alam;ISLAM, Md. Shariful
    • The Journal of Asian Finance, Economics and Business
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    • 제9권9호
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    • pp.75-91
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    • 2022
  • This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn't been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

UTAUT 이론을 기반으로 한 인터넷뱅킹의 이용에 영향을 미치는 요인: 한국과 중국의 비교연구 (A Comparative Analysis on the Usage of Internet Banking Users in Korea and China: Based on the UTAUT Theory)

  • 이동만;림계화;장성희
    • 한국정보시스템학회지:정보시스템연구
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    • 제19권4호
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    • pp.111-136
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    • 2010
  • This study examined the difference in the usage of internet banking users between Korea and China. This model tests various theoretical research hypotheses relating to internet banking, The Unified Theory of Acceptance and Use of Technology(UTAUT). The factors influencing on the use intention of Internet banking have been classified as performance expectancy, effort expectancy, social influence and facilitating conditions. The proposed model was empirically tested using data collected from a survey of internet banking users in Korea and China. The model is used by SPSS 15.0 and AMOS 7.0 for analysis on the sample collected from 272 respondents. The result of hypothesis testing are as follows. First, performance expectancy and social influence positively influence use intention of internet banking user both Korea and China. Second, facilitating conditions only positively influence on the usage of internet banking users in Korea. On the other side, effort expectancy do not influence the use intention of internet banking users in both two countries. The results of study will provide practical implications on the internet banking in Korea and China.

The effect of security factors on the continuance of Internet banking usage among Malaysians

  • Normalini, M.K.
    • 아태비즈니스연구
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    • 제6권1호
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    • pp.27-43
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    • 2015
  • The objective of the present study is to identify the security factors that influence customer trust towards intention to continue using Internet banking in Malaysia. The participants are individual Internet banking users in Peninsular Malaysia. Data was collected through self-administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to bank branch managers who then passed the questionnaires to their customers. A total of 413 respondents completed the questionnaires. The SPSS statistical analysis software package and Partial Least Squares statistical method were used for data analysis and hypothesis testing. The results show that authentication, confidentiality, data integrity and non-repudiation are significant factors that influence customer trust towards intention to continue using Internet banking. Trust plays a critical role in influencing the intention to continue using Internet banking in Malaysia while perceived privacy does not. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. The findings of this study are thus expected to be of great use to Internet banking providers as improvements in Internet banking security will increase business in the long run.

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Measurement of the Internet Banking Customer Satisfaction using Structured Equation Model

  • Choi, Kyung-Ho
    • Journal of the Korean Data and Information Science Society
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    • 제16권2호
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    • pp.301-311
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    • 2005
  • This study has conducted to measure the internet banking customer satisfaction using structured equation model. Data was collected by e-mail system. Among survey panel who had experience of using Hanwha-Bank internet banking service, final samples were 2,848 respondents. The results showed that usage convenience and economy factor was most correlated with customer satisfaction. And we found that word-of-mouth behavior was affected customer satisfaction.

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Lifestyle Segmentation: The Comparison of Islamic and Conventional Banking Customers in Indonesia

  • Sutarso, Yudi;Rustiana, Elly;Hanum, Rizky Amalia;Gunawan, Wibiksono K
    • 유통과학연구
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    • 제10권8호
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    • pp.25-34
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    • 2012
  • Understanding customer' lifestyles important for banks because it will guide in determining marketing policies, such as services, pricing, service delivery and promotion decisions. From the customer' lifestyle, banks will know what kind of customers' attitudes, interests and opinions, so they also will understand what the costumer' needs and what services needed by them. For Islamic banks, customers understanding are important because, nowadays, the competition of the banks is not only with other Islamic banks but also with the well-established conventional banks offering Islamic products or services The aims of this research paper are to describe what factors underline the customer's lifestyle of both Islamic and conventional bank, to segment the bank customers based on their lifestyles and investigate the profile of each segments, to compare the characteristics of the segments, and to identify marketing policies based on the characteristics. The population of the study is banking customers in Indonesia, in which the researchers have used judgment sampling as sample selection. There were 186 customers of Islamic banks and 244 customers of conventional bank as respondents in this study. Statistical methods employed were exploratory factor analysis and cluster analysis. The finding of the study shows that there are twelve factor underlining the customers' lifestyle, namely: factor of fashion conscious, internet usage, sports spectator, financial and technology optimism, price sensitivity, independent, compulsive housekeeper, new brand tryer community activities, opinion leader, credit usage, and homebody. In addition, for Islamic banking, there are two market segments, namely fashionable-independent and innovative-social segment. Based on the lifestyle characteristics, the first segment has higher level in factor of fashion conscious, homebody, independent, optimism and price conscious, which is therefore called fashionable-independent segment. On the other hand, the second cluster has higher level in factor of new brand tryer, community minded, sport spectator, credit user, internet usage, opinion leader, and compulsive housekeeper, which is therefore called the innovative-social segment. Furthermore, for conventional banking, there are also two segments, namely persuasive-optimistic and sensitive-independent segment. The first segment has higher level on some factors, namely: opinion leader, optimism, internet usage rate, credit usage level, sport spectator, and new brand tryer. On the other hand, the second cluster is characterized by higher level in factor of price conscious, confidence, community minded, homebody, fashion conscious, and compulsive housekeeper. Managerial implications for the management of Islamic banks could be identified in this study as follows. Firstly, the twelve lifestyle factors of this study could be an alternative view in observe Islamic banking customers. The domination of both the fashionable conscious and the internet usage factor show that the aspects are quite instrumental in perceiving the customer' lifestyles, in which reflects the importance of these two aspects to customers. Secondly, in serving their customers, Islamic banks need to understand the customer lifestyle, in which the lifestyle segments found in this study provide a guide of how their needs were reflected. Finally, by understanding the segments and the characteristics each segment of the conventional banks, Islamic banks could adjust their marketing strategies differently from the conventional banks.

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A Study of Mobile and Internet Banking Service: Applying for IS Success Model

  • Koo, Chulmo;Wati, Yulia;Chung, Namho
    • Asia pacific journal of information systems
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    • 제23권1호
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    • pp.65-86
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    • 2013
  • Understanding success factors in electronic banking is important to helping banks succeed. In this study, we extend DeLone and McLean's IS success model to the electronic banking by adding trust as a success variable. We tested the extended model by comparing internet banking and mobile banking in Indonesia. Using a structural equation modelling approach. We found that system quality had positive impacts on perceived usefulness and end-user satisfaction for both internet banking and mobile banking. The development of e-banking (internet banking and mobile banking) in Indonesia is in its initial stage. Finally, although we tested for the common method bias to relieve concern, further research may use multiple methods when collecting the data. This study investigated the role of each dimension of IS success in the electronic banking environment. While the original IS success model emphasizes individual and organizational impacts, we have argued that trust is an important indicator of IS impact on an individual socially in the banking industry. The contribution of our study is two-fold. Conceptually, the study is the first to extend the IS success model to the e-banking context. We provide an extension of the updated IS success model by adding trust as an outcome variable in the research model.

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디지털 컨버전스 시대의 모바일 뱅킹 사용 의도 결정요인에 관한 연구 (A Study on the Factors Affecting the Usage Intention of the Mobile Banking Service in the Digital Convergence Age)

  • 곽기영;이유진
    • 경영정보학연구
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    • 제7권2호
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    • pp.85-100
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    • 2005
  • 유비쿼터스 시대가 도래하고 있는 요즘 디지털 컨버전스의 한 형태인 모바일 뱅킹이 확산되고 있다. 본 연구는 최근, 금융기관의 전략적 경쟁도구로서 자리 잡고 있는 모바일뱅킹의 확산을 지원하기 위하여, 모바일 뱅킹의 수용에 영향을 주는 요인을 찾아보고자 하였다. 이를 위해 문헌고찰과 실증분석을 병행하여 모바일뱅킹 서비스의 특징 및 현황을 파악하고 모바일뱅킹의 사용에 영향을 미치는 요인들을 도출하여 분석하였다. 그 결과 지각된 유용성, 서비스 품질 그리고 즉시 접속성이 모바일뱅킹 사용에 영향을 미치는 요인으로 나타났고, 지각된 이용 편이성과 사회적 영향 요인은 그다지 영향을 미치지 않는 것으로 나타났다. 이러한 결과는 통신업체와 금융업체, 그리고 모바일 기술업체 등의 모바일 뱅킹 마케팅/기술 전략에 활용될 수 있을 것으로 기대되며 앞으로 좀 더 심도 깊은 추가적 연구와 토의가 이루어져야 할 것이다.

UTAUT모형을 이용한 사용자 수용연구 (Testing for Use and Acceptance of Internet Banking Based on UTAUT Model)

  • 박영배;박현지
    • 한국산업정보학회논문지
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    • 제22권1호
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    • pp.11-21
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    • 2017
  • 본 논문에서 UTAUT모형과 정보격차이론을 바탕으로 인터넷뱅킹의 사용자 수용연구를 실제 사용자를 대상으로 실증 분석하는 것이 목적이다. 본 연구에서 제안한 두 가지의 문제에 대한 결론은 첫째, 인터넷뱅킹의 사용의도는 이용형태에 양(+)의 매우 강한 영향을 미치고 있음을 알 수 있다. 이는 은행들이 인터넷 뱅킹 서비스를 제공함에 있어 뱅킹서비스 사용 대상자의 사용의도를 잘 파악하여 적절한 서비스를 제공한다면 더 좋은 결과를 낼 수 있을 것임을 보여준다. 둘째, 나이, 성별, 소득 및 교육수준과 같은 사회적-지리적 요소들은 인터넷뱅킹 사용에 혼재된 영향을 미치는 것으로 판명되었다. 이 문제는 은행측면에서 향후 고객들의 정보를 바탕으로 도시와 비도시 등 정보격차적 요인에 따른 다양한 마케팅 전략이 필요함을 보여 준다. 따라서 본 연구는 인터넷뱅킹 서비스의 이용에 중요한 영향을 미칠 것으로 예상되는 요인을 실제 사용자들을 대상으로 조사 및 분석을 통해 구체화시키고, 이를 토대로 관련 산업분야의 실무자들에게 유의한 시사점을 제공하고 있다.

인터넷뱅킹 요인 결정에 대한 연구 (A Determination of the Factors Contributing to Internet Banking)

  • 전용진
    • 디지털융복합연구
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    • 제10권11호
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    • pp.137-144
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    • 2012
  • 현재 국내은행 및 외국계은행 이용자는 인터넷뱅킹을 통해 편리하게 조회, 자금이체, 대출신청과 같은 서비스를 이용하고 있고, 이 같은 인터넷뱅킹 이용추세는 증가하고 있다. 본 논문은 인터넷뱅킹 이용과정에 사용자가 중요하다고 생각하는 요인을 결정하고, 각 요인의 상대적 중요도를 파악하고자 한다. 이를 위해 전국적으로 18세 이상 성인을 대상으로 직접 조사하였다. 연구결과 사용 용이성과 유용성, 보안, 흥미, 신뢰성의 네 개의 요인이 확인되었다. 이 결과는 인터넷뱅킹 연구자, 은행의 인터넷뱅킹 서비스를 담당하는 실무자와 정책결정자가 더 나은 서비스를 제공할 수 있는 지침을 제공할 것이다.