Using information-systems constructs to study online- and telephone-banking technologies

Sundarraj, R. P.; Wu, Judy Ann G.

doi:10.1016/j.elerap.2004.12.001

Cited by 51 publications

(54 citation statements)

References 43 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…In fact, upon closer review of the most of studies (i.e. Celik, 2008;Pikkarainen et al, 2004;Sundarraj and Wu, 2005;Yoon, 2010) that have examined the role of perceived ease of use, it was found that perceived ease exert a significant influence in shaping the customers intention to adopt online banking channels. By increasing the daily interaction with technology and Mobile innovation and having an adequate level of technological savvy, awareness, skills, and knowledge, individuals are more likely to be confident in their ability to get used to new technology as long as they are less likely to be influenced by the degree of difficulties that exists in this technology (Brown et al, 2003;Castañeda et al, 2007;Davis et al, 1989;Venkatesh et al, 2003;Venkatesh et al, 2012;Wang et al, 2006;Wessels and Drennan, 2010).…”

Section: Conceptual Model and Research Hypothesesmentioning

confidence: 99%

“…Telebanking, Internet banking, Mobile banking) to override the restrictions pertaining to human encounter (Ahmad and Buttle, 2002;Alalwan et al, 2015). Such emerging channels would also help to deliver customers a high service value and quality by means of innovative and cost-effective channels, and ultimately maintain customer satisfaction and loyalty (Sundarraj and Wu, 2005). Nevertheless, the adoption rate of Telebanking has not grown as expected, and customers are still reluctant to accept this technology to access financial services (Alikhani et al, 2013).…”

Section: Introductionmentioning

confidence: 99%

See 1 more Smart Citation

Jordanian consumers’ adoption of telebanking

Alalwan

Dwivedi

Rana

et al. 2016

International Journal of Bank Marketing

106

View full text Add to dashboard Cite

Purpose-This study aims to examine the main factors predicting Jordanian customers' intention and adoption of Telebanking. Design/methodology/approach-Perceived usefulness, trust and self-efficacy are formulated over the proposed conceptual model as key factors determining behavioural intentions while the adoption of Telebanking is proposed to be predicted by both behavioural intentions and perceived usefulness. A self-administered questionnaire was used to gather the data from a convenience sample of Jordanian banking customers. Structural equation modelling (SEM) was applied to validate the conceptual model and verify the research hypotheses. Findings-Statistical results largely support the predictive validity of the conceptual model which is able to account for 68% of the variance in behavioural intentions. Additionally, perceived usefulness, trust and self-efficacy (listed in order of their influence) are found to be significant factors in predicting behavioural intentions. Behavioural intentions and perceived usefulness were also confirmed to have significant influence on adoption behaviour. Research limitations/implications-The data for the current study were obtained using a convenience sample of Jordanian banking customers; this could limit the result generalisability. In addition, this study fully focused on the customers' perspective and has not examined issues from a service provider's perspective. Originality/value-This study was able to comprise a fundamental contribution by examining the unique context of Telebanking technology in Jordan. Accordingly, the current study has successfully formulated a deep view regarding the most important aspects predicting the Jordanian customers' intentions towards such an emerging system. The results provide practical guidelines for banks to choose a suitable marketing strategy that could enhance the customers' adoption of Telebanking.

show abstract

Section: Conceptual Model and Research Hypothesesmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Jordanian consumers’ adoption of telebanking

Alalwan

Dwivedi

Rana

et al. 2016

International Journal of Bank Marketing

106

View full text Add to dashboard Cite

show abstract

“…Information exchanged over open networks is vulnerable to being intercepted and compromised [4]. Besides security, the other major drawback faced in internet banking is the lack of identity and knowledge of the participants and therefore trusts in the sanctity of contract [12]. Every security system depends on trust, in one form or another, among users of the system [4].…”

Section: B Perceived Security Controlmentioning

confidence: 99%

Security of Internet Banking Services and its Linkage with Users' Trust: A Case Study of Parsian Bank of Iran and CIMB Bank of Malaysia

Sanayei

Noroozi

2009

2009 International Conference on Information Management and Engineering

View full text Add to dashboard Cite

Nowadays technology is growing fast and always adds new dimensions to our daily lives. In this way, Internet banking systems allow users to manage financial affairs such as checking account balances and transferring money between accounts as fast and easy as it can be. This study is done in Iran and Malaysia, the basic structure in Malaysia causes more concern, as well as use of this new way of banking. Also the differences between traditional and internet banking are more obvious in Malaysia. Therefore, we separately investigated the users of Parsian Bank of Iran-Isfahan Province and CIMB Bank of Malaysia-Kuala Lumpur. For the purpose of validating or disproving the research hypotheses, SPSS software and one sample t-test, two sample t-test, one way ANOVA and correlation analysis was used. Due to the nature of internet banking that occurs in the web network, not face to face, expected security is very important. Therefore, the linkage between security and trust is being investigated and the results show a positive correlation between these two variables. Statistical results show that, age and the level of education affected the attitude toward internet banking. But there is no statistical significant difference of the attitude between genders.

show abstract

“…Especially, electronic financial service (EFS), one of the most privacy-sensitive services has offered relatively secure instruments and has been developed on the basis of a circuit network. Telephone banking services [3] using intelligent network technology over public switched telephone networks provide a highly secure instrument for user authentication using both personal and network access information. The Telephone banking service approves the use of service only by an authorized user and designated network, so even if the private data are leaked by an ill-intentioned user, there is almost no chance that malicious users will be admitted to use of the telephone banking service.…”

Section: Related Workmentioning

confidence: 99%

Seamless and Secure Service Framework in Heterogeneous Mobile Network Environment

Yoon

Lee

Kim

2011

2011 IEEE Vehicular Technology Conference (VTC Fall)

View full text Add to dashboard Cite

As the mobile Internet increases with the popularization of smartphones, the conventional services are gradually being expanded to the wired and wireless integrated environment. These changes in the network environment require a new paradigm for the pursuit of safe and stable communication. In this paper, we propose a Seamless and Secure service Framework (SSF) that can maintain a sustainable secure relation between the user terminal and the sensitive service system by using both personal and network information. Typical examples of the SSF are the secure payment of bills and authentication. The SSF can block at the root the illegal use of the service (by a third party) even if personal information is leaked, as long as the user terminal is not lost. In addition, the SSF can provide a seamless service environment even if the access network is changed by movement of a terminal with the multiple network interfaces within the heterogeneous network environment.Index Terms-seamless and secure service, managed architecture, heterogeneous network, multiple network interfaces.

show abstract

Using information-systems constructs to study online- and telephone-banking technologies

Cited by 51 publications

References 43 publications

Jordanian consumers’ adoption of telebanking

Jordanian consumers’ adoption of telebanking

Security of Internet Banking Services and its Linkage with Users' Trust: A Case Study of Parsian Bank of Iran and CIMB Bank of Malaysia

Seamless and Secure Service Framework in Heterogeneous Mobile Network Environment

Contact Info

Product

Resources

About