Internet banking services and fees: the case of Greece

Giordani, Georgia; Floros, Christos; Judge, Guy

doi:10.1504/ijef.2009.026359

Cited by 5 publications

(4 citation statements)

References 31 publications

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“…By reducing their costs, banks should pass this reduction as a reduction in the fees imposed, while they could also offer lower interest rates on loans and mortgages, and higher interest rates in savings/deposits accounts. Note that the e-banking fees and commissions for transactions in Greece are less than branch fees, while internet banking fees are less than the ATM and branch fees (for more details see Giordani et al, 2009). Therefore, it is concluded that Greek customers prefer most the traditional banking because they worry about possible high electronic risk that comes with the foray into e-banking and this in line with Cunningham et al (2005).…”

Section: Discussionmentioning

confidence: 93%

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Econometric investigation of internet banking adoption in Greece

Giordani

Floros

Judge

2014

Journal of Economic Studies

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Purpose – The purpose of this paper is to examine if high branch fees, branch dissatisfaction as well as any previous experience of Greek banking customers with other banking technologies (i.e. Automated Teller Machines (ATMs)) have any impact on the probability of internet banking adoption. Further, the authors comment on the socio-economic and demographic characteristics of Greek banking customers, which effect the decision to adopt internet banking services. Design/methodology/approach – The authors employed the logistic regression model to examine the probability of Greek customers adopting internet banking based on certain demographic characteristics but also due to high branch fees, any dissatisfaction with branch services or due to previous experience of electronic banking technologies (ATMs). Findings – After estimating a logistic model, the authors report that branch dissatisfaction and high branch fees have no impact to the internet banking adoption in Greece, therefore Greek customers prefer to visit branches and are willing to pay high fees for the transactions. However, the authors find that ATM users are more likely to adopt internet banking services in Greece. Research limitations/implications – The authors should employ a technology acceptance model, to test the effect of perceived ease-of-use, perceived usefulness and technology self-efficacy of customers on the probability of e-banking adoption. The authors should also examine other hypotheses using recent data from other European countries and compare the results with those from Greece. Practical implications – The findings are strongly recommended to Greek bank managers. Originality/value – The research is primarily motivated by the lack of similar studies to explain empirically the characteristics of Greek bank customers which affect the adoption of internet banking.

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Section: Discussionmentioning

confidence: 93%

“…5. Giordani et al (2009) find that in Greece, banks' branch fees are much higher than the internet banking fees.…”

Section: Notesmentioning

confidence: 88%

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Econometric investigation of internet banking adoption in Greece

Giordani

Floros

Judge

2014

Journal of Economic Studies

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“…All banks, especially the large banks and mutual banks, have gradually increased their number of Internet banking services available to customers over the past decades. The most popular Internet banking services are viewing balances and transactions, fund transfers and payment of bills [3]. Internet banking service innovation has been implemented in the Republic of Yemen banking sector since the year 2002.…”

Section: Introductionmentioning

confidence: 99%

Evaluation of Internet Banking Service Adoption among Yemeni Customers

Al-Ajam¹,

Nor²

2013

AJBMR

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The main aim of this study is to examine empirically the factors that affect the adoption of Internet banking. Although Internet banking has been widely adopted in various developed countries, consumers' adoption of this service in developing countries has been slower than anticipated. That is, in developing countries, Internet banking services has not been used as much as they could or should have been. There is sill a limited empirical research on Internet banking service in developing countries. There is a clear need to investigate the factors that influence customers' intention to adopt Internet banking. Identifying influential factors that influence customer's intention to adopt Internet banking service is crucial. This study extended Innovation Diffusion Theory by trust. Data collected from 1286 respondents in Yemen. Structural equation modelling was used for data analysis. The results indicate that perceived relative advantage, perceived ease of use, perceived compatibility, perceived trialability, and trust are salient determinants of customers' adoption of Internet banking. The findings of this study provide several important implications for Internet banking adoption research and practice.

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The Economic Impact of Fertilizer Application in Floriculture

Prasanna Bhoopathy,

Kumar

2023

Contributions to Environmental Sciences &Amp; Innovative Business Technology

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Internet banking services and fees: the case of Greece

Cited by 5 publications

References 31 publications

Econometric investigation of internet banking adoption in Greece

Econometric investigation of internet banking adoption in Greece

Evaluation of Internet Banking Service Adoption among Yemeni Customers

The Economic Impact of Fertilizer Application in Floriculture

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