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e-banking culture: A comparison of EU 27 countries and Portuguese case in the EU 27 retail banking context

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  • Fonseca, Jaime R.S.

Abstract

The aim of this research is two-fold. Firstly we conducted a wise comparative analysis of EU 27 countries and secondly we identified distinct e-banking user segments of Portuguese citizens. We used a questionnaire for data collection (n=2358) and Latent Class Models (LCM) for data analysis. LCM revealed three segments in EU 27 (Portugal is in the poorest cluster, concerning the indicators used, with Greece, Spain and Cyprus) and two e-banking user segments in Portuguese citizens: Those who do not risk (49%), and Those who risk (51%). Our findings enable e-banking managers for taking appropriate strategic decisions.

Suggested Citation

  • Fonseca, Jaime R.S., 2014. "e-banking culture: A comparison of EU 27 countries and Portuguese case in the EU 27 retail banking context," Journal of Retailing and Consumer Services, Elsevier, vol. 21(5), pages 708-716.
    • Handle: RePEc:eee:joreco:v:21:y:2014:i:5:p:708-716
    DOI: 10.1016/j.jretconser.2014.05.006
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    References listed on IDEAS

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    1. Fonseca, Jaime R.S., 2009. "Customer satisfaction study via a latent segment model," Journal of Retailing and Consumer Services, Elsevier, vol. 16(5), pages 352-359.
    2. Maureen Meadows & SALLY DIBB, 1998. "Implementing Market Segmentation Strategies in UK Personal Financial Services: Problems and Progress," The Service Industries Journal, Taylor & Francis Journals, vol. 18(2), pages 45-63, April.
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    Cited by:

    1. Shaikh, Aijaz A. & Glavee-Geo, Richard & Karjaluoto, Heikki, 2017. "Exploring the nexus between financial sector reforms and the emergence of digital banking culture – Evidences from a developing country," Research in International Business and Finance, Elsevier, vol. 42(C), pages 1030-1039.

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