Econometric investigation of internet banking adoption in Greece

Giordani, Georgia; Floros, Christos; Judge, Guy

doi:10.1108/jes-04-2011-0042

Cited by 18 publications

(20 citation statements)

References 26 publications

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“…More specifically, this approach is mainly focused on identifying channel characteristics, product characteristics and individual customer characteristics as drivers of adoption. On one hand, channel characteristics are related to customers' perceived characteristics of the web as a sale channel, such as perceived risk of online channel (Mansumitrchai and Chiu, 2012), access to this channel (Giordani et al, 2014), trust in the web site (Hsu et al, 2013) and customer satisfaction with the web site (Ha and Janda, 2014). On the other hand, product characteristics are related to customers' perceived characteristics of products/services.…”

Section: Drivers Of Customers' Adoption Of the Online Channelmentioning

confidence: 99%

“…Previous research has mainly focused on analysing social and technical dimensions that affect the diffusion of this channel (e.g., Harrison et al, 2014). Customer attitudes towards new technologies (Ha and Janda, 2014), usability (Chong et al, 2010) or access to this channel (Giordani et al, 2014) measured using surveys have been some of the most commonly analysed dimensions within this framework. Despite the fact that survey data are able to consider a wide variety of antecedents of adoption, they have a number of limitations.…”

Section: Introductionmentioning

confidence: 99%

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How customers’ offline experience affects the adoption of online banking

Estrella-Ramón

Sánchez‐Pérez

Swinnen

2016

INTR

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Purpose-This paper aims to examine the impact of customers' offline transaction behaviour in the form of loyalty and cross buying on the adoption of self-service technology innovations by non-business customers in the context of online banking. Design/methodology/approach-This study extends the Diffusion of Innovation Theory, as well as the Technology Acceptance Model adapted to describe and model individual customer observed behaviours in the pre-adoption stage of the adoption process. The Log-logistic parametric survival model is applied using panel data for 1,357 randomly-selected new customers from a bank. Findings-Remarkable differences arise among customers' behaviours related to periodicity of interactions with the bank and quantity of products involved in the interactions, as well as convenience and risk of the interactions. Our results corroborate that those customers who are more likely to adopt the online banking faster show an offline behavioural pattern more related to higher periodicity of interactions and convenience, rather than a high number of products involved in their interactions, the use of high-risk products or the maintenance a higher average monthly liabilities. Originality/value-While previous research explaining the process of adoption of the online channel has mainly focused on the analysis of customer's attitudes (i.e., customers' perceptions) and demographics, in this research an additional explanation is proposed using customers' offline transactional behaviours. In addition, there is considerable amount of research about the adoption of new technologies, but there is a scarcity of studies looking specifically at the financial services and banking industry.

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Section: Drivers Of Customers' Adoption Of the Online Channelmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

How customers’ offline experience affects the adoption of online banking

Estrella-Ramón

Sánchez‐Pérez

Swinnen

2016

INTR

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“…Furthermore, customers are struggling to change their habits, deeds, the way they interact with its internet banking services offer (Alsajjan & Dennis, 2010;Chemingui, 2013;Chen & Teng, 2013;Hanafizadeh, Keating&Khedmatgozar, 2014;Khalil, Sutanonpaiboon, &Mastor, 2010;Nor & Pearson, 2008). The potential customers' readiness to adopt the technology is also a significant factor (Al-Ajam and MdNor, 2015;Al-alak, 2014;Chiou& Shen, 2012;Giordani, Floros & Judge, 2014;Liu, Jing & Huang, 2005;Rezaei, Amin & Wan Ismail, 2014). Interestingly, Karjaluoto, Mattila and Pento, (2002) found lack of consumer skills and experience with computers and technologies, which sway the consumer attitude toward internet banking.…”

Section: Statement Of the Problemmentioning

confidence: 99%

Internet Banking Service Quality and Customer Retention in Deposit Money Banks in Rivers State- Nigeria

2020

BJMS

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This study investigates the relationship between Internet Banking Service Quality and Customer Retention in Deposit Money Banks in Rivers State. The objectives of the study were to investigate the influence of internet service efficiency and website design on Customer Retention. The study adopted the quasi-experimental research design which employed the cross sectional survey design. The choice of this survey approach is because it will scientifically look at the situation on ground and will empirically analyze it to get result that can be attributable to the accessible population. Based on the research questions, a research questionnaire was designed and one hundred and ninety (190) copies were distributed to the customers of the banks who constituted the populationof study, the researcher purposively administered ten (10) copies each to customers of the nineteen (19) deposit money banks in Rivers State. A total of one hundred & sixty-nine (169) copies of the distributed questionnaire were retrieved. These copies were analyzed and the hypotheses were tested using the Kendal's Correlation Coefficient with the aid of SPSS Version 23.0. The result revealed that; there is a significant relationship between internet banking service efficiency and referral, internet banking service efficiency and resistance to competitive pressure, Internet banking website design and referral, Internet banking website design and resistance to competitive pressure. The result also revealed that customer technology adoption positively influences the relationship between internet banking service quality and customer retention in deposit money banks in Rivers State. The study concluded that consumer orientation should be applied whenever; banks are adopting new techniques that will service the need of their customers for better satisfaction. The study recommends that Banks should invest more on technologies that will ensure efficiency in serving customer and overall satisfactions of the customers. Customer satisfaction should be kept in mind as banks upgrade existing systems or while buying new systems altogether.

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“…Laeven and Valencia (2010) show that there are many commonalities between recent and past crises, both in terms of underlying causes and policy responses. Giordani et al (2014) examine if high branch fees, branch dissatisfaction as well as any previous experience of Greek banking customers with other banking technologies have any impact on the probability of internet banking adoption. The results show that branch dissatisfaction and high branch fees have no impact to the internet banking adoption in Greece.…”

Section: Labour Marketmentioning

confidence: 99%

A new approach to the Scoreboard

Magazzino

Felici

Bozic

2015

Journal of Economic Studies

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If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation. AbstractPurpose -The purpose of this paper is to investigate the information content of the variables that can help detecting external and internal imbalances in an early stage. The starting point is the Scoreboard, where nine indicators are chosen in order to increase macroeconomic surveillance of all member states. Design/methodology/approach -This paper provides an overview of the variables that could be informative for imbalances by focusing on EU-27 countries over the period 1960-2010. The number of chosen variables is 28, and they are aggregated in six macro-areas. Therefore, once an imbalance is observed in any of those areas, it is possible to detect in a simple way which specific variable is determining such outcome. Findings -In general, this approach provides reliable signal to the policy-makers about the indicators that can drive imbalances within the area, shedding light on the relationship among the variables included in the analysis, too. Research limitations/implications -In fact, the empirical results underline some well-known critical issue for several countries, and is largely in line with results obtained in a variety of EC and OECD studies. Originality/value -The main added value of the approach adopted in this paper is the introduction of more variables than those initially proposed by the European Commission in the construction of the Scoreboard. This provides more information about the macroeconomic situation in each country, preserving, however, the simplicity of the analysis as the variables are aggregated by homogeneous areas.

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Econometric investigation of internet banking adoption in Greece

Cited by 18 publications

References 26 publications

How customers’ offline experience affects the adoption of online banking

How customers’ offline experience affects the adoption of online banking

Internet Banking Service Quality and Customer Retention in Deposit Money Banks in Rivers State- Nigeria

A new approach to the Scoreboard

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