A multilevel analysis of factors influencing the adoption of internet banking

An examination of the performance and prospects for the future of internet-primary banks

“…This process includes the need to monitor system performance (for example, traffic volume, transaction durations, and wait times). Gopalakrishnan et al (2003) find banks employing an Internet-only model have been unable to capture significant market share. Collectively, these studies highlight the importance of assessing the current state of Internet-only banking model performance in the US.…”

“…A few studies explore the technological and customer adoption aspects of Internet banking (e.g., Solomon 1999;Thakor 1999;Aladwani 2001;Bossome 2001;Gopalakrishnan et al 2003;and Bauer and Hein (2006)). Additionally, a few studies evaluate accounting performance of Internet-primary banks (e.g., DeYoung forthcoming), but to our knowledge none evaluate profit efficiency.…”

Strategic context for bank units: Comparing resource flows for Internet ventures and traditional branches

“…The issues of balancing the old and the new, of potential synergy and domain conflict, are particularly important in the case of established banks that pursue Internet Banking along with their traditional branch business. First, all bank units, not just ICVs, must continue to develop innovative products in order to respond to changing technologies and customer demands, and traditional banks have certainly pioneered the development of innovative delivery channels including telephone banking, drive-through banking, and ATMs (Booz, Allen, & Hamilton, 1999;Gopalakrishnan, Wischnevsky, & Damanpour, 2003). Second, the relationship of Internet Banking units to headquarters has shifted to a more integrated role over the last few years, as many banks view Internet Banking simply as a remote delivery channel (Gopalakrishnan et al, 2003), evidenced by the failure of Bank One's separate Internet venture Wingspan.…”

“…The reason is that traditional banks have been pioneers in developing information technology internally (Gopalakrishnan et al, 2003) long before Internet Banking, and creating organizational norms and values so critical for success in this industry. Even when web-specific technology is outsourced, or when the Internet culture creates new norms and values, successful Internet ventures must effectively integrate traditional internal banking information technology and organizational values with the new technology and values of the Internet.…”

Determinants of the Internet Islamic Banking Services Adoption in Jordan

“…Internet banking is defined as 'the use of the internet as a remote delivery channel for banking services and internet banking is defined as a bank that offers (web-based) transactional services'(S . Gopalakrishnan, Wischnevsky, & Damanpour, 2003). Internet banking as a banking channel allows customers to conduct all traditional banking services, such as making online bill payments, balance enquiry and fund transfer to other accounts without visiting their bank branch.…”