The Effect of Heterogeneous Risk on the Early Adoption of Internet Banking Technologies

Bauer, Keldon; Hein, Scott E.

doi:10.2139/ssrn.772185

Cited by 21 publications

(20 citation statements)

References 16 publications

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“…This implies that the more privacy-conscious an individual, the more likely he or she would be to accept the use of biometric technology-if they believe that it is a very secure system. This finding is congruent with other research studies on the impact of perceived risk on Internet technologies, such as Internet banking (Bauer and Hein 2006).…”

Section: Figuresupporting

confidence: 92%

Assessing Factors Affecting Consumers' Intention to Adopt Biometric Authentication Technology in E-shopping

Hino

2015

Journal of Internet Commerce

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This study focuses on Internet users' intention to use biometric technology in e-shopping. For this purpose, the study applies a modified Unified Theory of Acceptance and Use of Technology (UTAUT) to assess the effect of various factors, particularly perceived privacy and credibility regarding consumers' readiness to use biometric devices in e-shopping. A sample consisting of 401 respondents was obtained from Internet user groups. The empirical results of the study indicate that users' acceptance of biometric technology in e-shopping is significantly affected by perceived credibility, perceived privacy, performance expectancy, social influence, and familiarity with technology (experience). Implications for retail firms and Internet practitioners who plan to employ innovative technologies in e-marketing providers are identified, together with a discussion of the study's limitations and avenues for future research.

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Section: Figuresupporting

confidence: 92%

Assessing Factors Affecting Consumers' Intention to Adopt Biometric Authentication Technology in E-shopping

Hino

2015

Journal of Internet Commerce

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“…We are interested in studying consumers' adoption decisions of financial innovations that reduce the transaction costs for an individual's cash management. These financial innovations include ATMs (e.g., Attanasio et al 2002;Huynh 2007), credit/debit cards (e.g., Borzekowski et al 2008), online banking (e.g., Bauer andHein 2006, Allen et al 2009), automated clearing house (ACH) electronic payment system (e.g., Gowrisankaran and Stavins 2004;Ackerberg and Gowrisankaran 2006), etc. Among these papers, the paper by Bauer and Hein (2006) is more closely related to ours.…”

Section: Adoption Of Financial Innovationsmentioning

confidence: 99%

Dynamics of Consumer Adoption of Financial Innovation: The Case of ATM Cards

Yang

Ching

2014

Management Science

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“…This paper attempts to fill this gap by focusing on the benefits of the transactional web site from the point of view of the commercial bank and not on an analysis of the determinants of the Internet adoption decision by the bank or the retail consumer (Bauer and Hein, 2006). To the extent that banks operating in Spain share the same characteristics such as their universal character with continental European banks, our results could be extrapolated to the broader European banking system.…”

Section: Introductionmentioning

confidence: 99%

Is the Internet delivery channel changing banks’ performance? The case of Spanish banks

Hernando

Nieto

2007

Journal of Banking & Finance

172

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In spite of the conspicuous use of the Internet as a delivery channel, there is a relative dearth of empirical studies that provide a quantitative analysis of the impact of the Internet on banks' financial performance. This paper attempts to fill this gap by identifying and estimating the impact of the adoption of a transactional web site on financial performance using a sample of 72 commercial banks operating in Spain over the period 1994-2002. The impact on banks' performance of transactional web adoption takes time to appear. The adoption of the Internet as a delivery channel involves a gradual reduction in overhead expenses (particularly, staff, marketing and IT). This effect is statistically significant after one and a half years after adoption. The cost reduction translates into an improvement in banks' profitability, which becomes significant after one and a half years in terms of ROA and after three years in terms of ROE. The paper also concludes that the Internet is being used as a complement to, rather than a substitute for, physical branches.

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The Effect of Heterogeneous Risk on the Early Adoption of Internet Banking Technologies

Cited by 21 publications

References 16 publications

Assessing Factors Affecting Consumers' Intention to Adopt Biometric Authentication Technology in E-shopping

Assessing Factors Affecting Consumers' Intention to Adopt Biometric Authentication Technology in E-shopping

Dynamics of Consumer Adoption of Financial Innovation: The Case of ATM Cards

Is the Internet delivery channel changing banks’ performance? The case of Spanish banks

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