Role of consumer personality in determining preference for online banking in India

Khare, Arpita; Khare, Anshuman; Singh, Sanjay Kumar

doi:10.1057/dbm.2010.18

Cited by 20 publications

(18 citation statements)

References 82 publications

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“…Therefore, a respondent who wishes to be part of this community needs to be connected all the time, as it is treated as a symbol of prosperity and status. Similar findings are reported by earlier research studies in India (Khare et al, 2010; Singh & Srivastava, 2014). Taking a cue from above, banks should provide solutions which can enable the user to have a 360-degree view of his/her finances at any time.…”

Section: Implications For Practitionerssupporting

confidence: 92%

“…As evident from the above discussion, TAM is widely accepted as a reliable and valid model to explain user attitude and intention towards acceptance and adoption of various technologies like electronic mail system (Davis, 1993; Gefen & Straub, 1997), text editor (Davis, 1993), World Wide Web—WWW (Lederer, Maupin, Sena & Zhuang, 2000), intranet (Horton, Buck, Waterson & Clegg, 2001), e-commerce and online shopping (Gefen, 2003; Heijden, Verhagen & Creemers, 2003; Henderson & Divett, 2003; Pavlou, 2003), ATM banking (Wan, Luk & Cheris, 2005), phone banking (Wan et al, 2005), SMS or text banking (Hanudin, 2007), internet and online banking (Al-Somali, Gholami & Clegg, 2009; Agarwal, Rastogi & Mehrotra, 2009; Bashir & Madhavaiah, 2014; Chau & Lai, 2003; Chong, Ooi, Lin & Tan, 2010; George & Kumar, 2015; Khare, Khare & Singh, 2010; Pikkarainen, Pikkarainen, Karjaluoto & Pahnila, 2004; Suh & Han, 2003; Tan & Teo, 2000; Wan et al, 2005), m-service (Thakur & Srivastava, 2014; Wang, Lin & Luarn, 2006), mobile banking (Deb & David, 2014; Gu, Lee & Suh, 2009; Khasawneh, 2015; Lewis, Palmer & Moll, 2010; Lin, 2011; Riquelme & Rios, 2010).…”

Section: Review Of Literaturementioning

confidence: 99%

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High Versus Low Consumer Attitude and Intention Towards Adoption of Mobile Banking in India: An Empirical Study

Chawla

Joshi

2017

Vision: The Journal of Business Perspective

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Although factors influencing adoption of technology-enabled banking has been studied by many researchers, the construct perceived usefulness had been analysed as a single construct. Moreover, the measurement of perceived usefulness by researchers does not discuss sub-dimensions or sub-factors, which could contribute to perceived usefulness associated with a particular technological innovation. This article empirically examines the influence of various factors on user attitude and intention towards adopting mobile banking. Based on focus-group discussion and personal interview with bankers, technology acceptance model (TAM) and studies on technology adoption, we propose a mobile banking adoption model in Indian context. We also examine the impact of demographics on user attitude and intention. Exploratory factor analysis (EFA) on a sample of 367 respondents resulted in seven factors which were found to be reliable. Confirmatory factor analysis demonstrated significant convergent and discriminant validity. Logistic regression equation was used to estimate the degree of correct prediction of user attitude and intention towards mobile banking adoption. Perceived trust, perceived ease of use (PEOU), perceived lifestyle compatibility, perceived efficiency and perceived convenience significantly impacted user attitude. However, user attitude was not found to differ significantly between demographic variables. Similarly, perceived trust, PEOU, perceived lifestyle compatibility and perceived efficiency were found to positively and significantly affect user intention. User intention was found to significantly vary across demographic groups based on gender and household income.

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Section: Implications For Practitionerssupporting

confidence: 92%

Section: Review Of Literaturementioning

confidence: 99%

High Versus Low Consumer Attitude and Intention Towards Adoption of Mobile Banking in India: An Empirical Study

Chawla

Joshi

2017

Vision: The Journal of Business Perspective

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“…Aðeins fáar rannsóknir hafa miðað að tengslum persónuleika og kaupum á ákveðinni vöru eða þjónustu (sjá t.d. Anitsal og Anitsal, 2009;Khare, Khare og Singh, 2010;Roy o.fl., 2016) og að auki eru margar rannsóknir á sviðinu takmarkaðar hvað varðar kaupákvörðunarstíla þar sem oft er einblínt á eina tegund kaupákvörðunarstíls, sér í lagi hvatvísi í kaupum (sjá t.d. Fayez og Labib, 2016;Phanwar o.fl., 2014;Shahjehan, Zeb og Saifullah, 2012).…”

Section: Women's Personality and Decision Making Style 1 Inngangurunclassified

Persónuleiki kvenna og ákvörðunarstíll við kaup

Karlsdóttir¹,

Hermannsdóttir²

2019

TVE

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ÁgripTalið er ákjósanlegt að nýta sálfraeðibreytur, sér í lagi persónuleika, við skilgreiningu á markhópum þar sem persónuleiki er talinn spá fyrir um kauphegðun. Til að unnt sé að hanna markaðssamskipti og annað markaðsstarf sem best að markhópnum er mikilvaegt að afla sér þekkingar um hvernig hópurinn er líklegur til að taka ákvarðanir um kaup, en slíkar ákvarðanir geta verið ólíkar eftir því um hvers konar vörur eða þjónustu er að raeða. Markmið rannsóknarinnar var að kanna tengsl persónuleikaþátta kvenna og kaupákvörðunarstíls þeirra þegar kemur að förðunarvörum. Í samraemi við fyrri rannsóknir var persónuleika skipt í fimm þaetti; úthverfu, samvinnuþýði, samviskusemi, taugaveiklun og víðsýni, og kaupákvörðunarstíl í fjóra þaetti; tryggð gagnvart vörumerkjum og verslunum, hvatvísi, áherslu á verð og virði og áherslu á fjölbreytni. Í gegnum rafraent hentugleikaúrtak fengust svör frá 1700 konum við spurningum sem snéru annars vegar að persónuleika þeirra og hins vegar kaupákvörðunarstíl. Niðurstöðurnar sýndu að persónuleiki spáir fyrir um kaupákvörðunarstíl þegar kemur að kaupum á förðunarvörum en mestur reyndist skýringarmáttur persónuleika vera á hvatvísan kaupákvörðanastíl. Konur sem maelast hátt á úthverfu og eru því félagslyndar og tilbúnar að taka áhaettu eru líklegar til að sýna vörumerkjum og verslunum tryggð en þaer hafa jafnframt tilhneigingu til að sýna hvatvísi við kaupin. Konur sem maelast hátt á samvinnuþýði eða samviskusemi eru hins vegar ólíklegar til að sýna hvatvísi við kaupákvarðanir á meðan þaer sem maelast háar á taugaveiklun eru líklegar til að taka hvatvísar kaupákvarðanir þegar kemur að förðunarvörum. Víðsýnar konur eru opnar fyrir fjölbreytni, leggja áherslu á samband verðs og virðis ásamt því að sýna vörumerkjum og verslunum tryggð. Niðurstöður rannsóknarinnar veita snyrtivörufyrirtaekjum verðmaetar upplýsingar um líklegan kaupákvörðunarstíl markhópa sinna, hafi þau skilgreint hópana byggða á persónuleikaþáttum. Niðurstöðurnar geta þó einnig gefið fyrirtaekjum sem ekki hafa skilgreint markhópa sína eftir persónuleika, gagnlegar upplýsingar um einkenni tiltekinna persónuleikaþátta í samhengi við líklegan kaupákvörðunarstíl. AbstractIt's beneficial to define brands' target groups based on psychological variables, in particular personality, since personality is thought to predict buying behavior. To be able to design marketing communication strategies and other marketing activities to fit the target audience, it is important to gain knowledge on how they make decisions regarding what to buy, but the decision making style may differ depending on products or services. The purpose of the study was to investigate 1 Katla Hrund Karlsdóttir er viðskiptastjóri hjá H:N markaðssamskiptum. Netfang: katla@hn.is. Auður Hermannsdóttir er aðjúnkt við Viðskiptafraeðideild Háskóla Íslands. Netfang: audurhermannsdottir@hi.is.Tímarit um viðskipti og efnahagsmál, 16. árgangur, 1. tölublað, 2019 This work is licensed under a Creative Commons Attribution 4.0 License.

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“…Extroverts enjoy using information technologies (Saleem et al, 2011). Khare and Singh (2010) investigate the effect of personality types on customer's evaluation about online banking in India and they found that extroverts tend to take a risk to utilize innovation, thus they use online banking. Other researchers look at differences in personality traits on online shopping behaviour and they found out that extroversive consumers expect enjoyment, fun, socialization opportunities and store aesthetics during their online shopping (Tsao and Chang, 2010;Dobre and Milovan-Ciuta, 2015).…”

Section: Big Five Personality Traits and Online Shopping Intentionmentioning

confidence: 99%

Why Do Consumers Make Online Shopping the Effect of Big Five Personality Traits, Narcissism and Self-Esteem

Alan¹,

Kabadayı²,

Gündüz³

2017

JGSM

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This research aims to investigate consumers' personality effect in online shopping intention to deepen our understanding and extending empirical evidence. A conceptual framework was designed with Narcissism, Self-esteem and Big-five personality traits. This model was examined by using a field questionnaire with the structural equation modelling; the data were collected from 420 online shoppers. Findings revealed that narcissism, self-esteem and big five personality traits are important drivers of costumers online shopping intention. These results may assist e-retailers to increase their number of visitors if online shoppers will be provided with more accurate online store elements (web page design, transactions, products or services etc.) according to different types of personalities.

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Role of consumer personality in determining preference for online banking in India

Cited by 20 publications

References 82 publications

High Versus Low Consumer Attitude and Intention Towards Adoption of Mobile Banking in India: An Empirical Study

High Versus Low Consumer Attitude and Intention Towards Adoption of Mobile Banking in India: An Empirical Study

Persónuleiki kvenna og ákvörðunarstíll við kaup

Why Do Consumers Make Online Shopping the Effect of Big Five Personality Traits, Narcissism and Self-Esteem

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