Determinants of adoption and continuance intentions toward Internet-only banks

Lee, Jin-Myong; Kim, Hyojung

doi:10.1108/ijbm-07-2019-0269

Cited by 52 publications

(120 citation statements)

References 61 publications

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“…Both of these approaches arguably facilitate banking anytime, anywhere. This, in turn, highlights the elements of convenience and economic efficiency that have been found to have positive effects on consumer's adoption intention and continuance intention of digital services (Lee & Kim 2020) to hold true in a South African context too.…”

Section: Resultsmentioning

confidence: 68%

“…Internet-or digital-only banks offer alternative approaches to online transacting and banking by making services available exclusively through online channels (websites) or by means of smartphone apps, thereby challenging traditional banking business models by eliminating the need to establish and maintain physical bank branches. Technology has fundamentally altered the creation, delivery, reception and utilisation of these financial products (Pyun et al 2002), with convenience and economic efficiency already having had positive effects on consumers' adoption intention and continuance intention of international digital-only banks (Lee & Kim 2020).…”

Section: Introduction and Literature Reviewmentioning

confidence: 99%

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Digitalisation strategies in a South African banking context: A consumer services analysis

Louw

Nieuwenhuizen

2020

SA Journal of Information Management

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Background: In the advent of the fourth industrial revolution, Internet-only/digital-only banks are offering alternative approaches to facilitating online transactions and banking in the absence of physical branches. As a result, traditional, offline banks may possibly experience increased pressure in growing and retaining their customer base. Objectives:The objective of this study is to understand the fundamental differences between traditional and digital-only banks' business models and digital user experience strategies from a consumer services perspective. As a result, in this research, we established to what extent traditional South African banks have embraced service digitalisation and compared this to the services offered by South Africa's first digital-only bank (launched in early 2019).Method: By means of convenience sampling, we selected the five biggest traditional banks and the first digital-only bank in South Africa (as recorded at the start of July 2019) and conducted a comparative analysis of the core digital services that were offered to consumers.Results: Overall, mobile-optimised services were identified as a key digital business strategy, thereby highlighting the importance of a mobile-first approach not only to traditional and digital-only banking services strategies but also to digital business model formulation in general. Conclusion:While the overall South African banking landscape and banking user experience may be moving towards digital-first and mobile-first, the need for access to banking technology and services 7 days a week necessitate not only mobile-first, but accessible-foremost (i.e. access to infrastructure that facilitates access to online banking technologies, both remotely and on premise) banking business models.

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Section: Resultsmentioning

confidence: 68%

Section: Introduction and Literature Reviewmentioning

confidence: 99%

Digitalisation strategies in a South African banking context: A consumer services analysis

Louw

Nieuwenhuizen

2020

SA Journal of Information Management

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“…It is commonly believed that banks which addressed all features of e-banking are likely to achieve better performance, enhance efficiency and improve on service quality (Robinson, 2000). According to Lee & Kim (2020), banks should decrease protection risks and increase consumer confidence through better security measures and more sophisticated electronic offerings. On this note, many banks have quickly realised that a significant number of customers are likely to use e-banking as they offer many advantages for banks, including the reduction of cost on physical structures.…”

Section: E-bankingmentioning

confidence: 99%

Effect of Customer Lifestyles on the Awareness of “MobiCash” Banking Services of Wahda Bank in Libya

Bouthahab¹,

Khaled²

2021

JEEIR

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The 2013-2014 liquidity crisis in Libya has resulted in many Libyans' difficulties accessing their banking accounts and managing their financial standing. In place of this, many commercial banks have developed new mobile payment techniques, particularly the 'MobiCash' Service offered by Wahda Bank to assist Libyan customers in accessing their accounts and carrying out their financial transactions. This paper intends to examine the effect of lifestyle changes on mobile banking services or 'MobiCash' and their awareness of this novel service. Also, this study investigates the more profound understanding of Libyan customers. It highlights customers' socio-economic characteristics using 'MobiCash' services offered by Wahda Bank in the city of Derna in Libya. The questionnaires were distributed online, and a sample of 149 was obtained. SPSS was used to analyse the data and regression analysis to test the significant effect of customers' lifestyles and their awareness of 'MobiCash'. The results showed that Libyan customers were accepting of this form of mobile banking. The findings indicated that age and academic degrees do not influence awareness of 'MobiCash'. However, customer lifestyles affect awareness of the banking service of 'MobiCash'. Socio-Economic factors do not mediate the relationship between lifestyle and awareness of banking services of 'MobiCash'. This study's outcomes have increased the current knowledge on the behaviours and awareness of novel banking service features like 'MobiCash'. Moreover, the study may provide a more in-depth understanding of what is needed for Libyan banking customers to accept further this technological service and, thus, permit the improvement of banking strategies to attract potential users. Future researchers can extend the understanding of this study in other contexts and service environment.

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“…The results revealed that convenience was positively related to the intention to continue using the personal digital assistants. Based on the benefit-risk framework and network externality theory, Lee and Kim (2020) proposed a research framework to investigate the key antecedents influencing consumers' intention to use or continue to use Internet-only banks. The results revealed that convenience experienced in the post-adoption stage exerted a positive effect on consumer's willingness to continue to use.…”

Section: Theoretical Background and The Development Of Hypothesesmentioning

confidence: 99%

“…Five items measuring PEOU were adapted from Venkatesh (2000) and Cho & Sagynov (2015), while PU was based on Davis (1989) & Morosan (2014. Convenience was measured with four items based on Lee and Kim (2020).…”

Section: Continuance Intentionmentioning

confidence: 99%

Air Passengers’ Continued Use Intention of the Airport E-Gate System: A Perspective with Perceived Beneﬁts

Chen¹,

Liu²

2020

IJBM

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With the rapid development of air transportation in recent years, the number of national entry and exit passengers has hit record highs. Facing the increasingly busy airport, an automated border control system (E-gate) has been developed to provide faster and more convenient services. This study adopts the perspective of perceived benefits to explore the willingness of passengers to continuously use the E-Gate. In this study, a total of 539 valid questionnaires are collected at the Taoyuan International Airport in Taiwan. The SPSS 24 and AMOS 22 software are used for statistical analysis, and the hypotheses are verified by Structural Equation Modeling (SEM). The results show that perceived ease of use, perceived usefulness, and convenience have positive and significant effects on air passengers’ continued use intention of E-gate, with convenience having the greatest impact, followed by perceived ease of use and perceived usefulness. The findings of this research can not only assist government agencies and airport operators in the development of better user-accepted immigration clearance systems, but can also provide insight into how to promote the new technology to potential users.

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Determinants of adoption and continuance intentions toward Internet-only banks

Cited by 52 publications

References 61 publications

Digitalisation strategies in a South African banking context: A consumer services analysis

Digitalisation strategies in a South African banking context: A consumer services analysis

Effect of Customer Lifestyles on the Awareness of “MobiCash” Banking Services of Wahda Bank in Libya

Air Passengers’ Continued Use Intention of the Airport E-Gate System: A Perspective with Perceived Beneﬁts

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