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How perceived security appears in the commercialisation of internet banking

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  • Anssi Mattila
  • Minna Mattila
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    Abstract

    Security has been widely recognised as one of the main barriers to the adoption of internet innovation. Many studies suggest that firms operating on the internet must first convince their customers about the security of internet as a medium. This paper presents empirical evidence that Finnish internet customers do not consider internet banking as unsecured as past literature suggests. In fact, our research findings suggest that Finnish internet banking services are considered secured in all our target groups, which present a vast sample of today's Finnish internet customers. However, mobile banking customers seem to have somewhat more security concerns than internet banking customers. Our empirical data consisted of 2420 individual Finnish banking customers' survey responses including both internet users and non-users.

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    Bibliographic Info

    Article provided by Inderscience Enterprises Ltd in its journal Int. J. of Financial Services Management.

    Volume (Year): 1 (2005)
    Issue (Month): 1 ()
    Pages: 89-101

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    Handle: RePEc:ids:ijfsmg:v:1:y:2005:i:1:p:89-101

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    Web page: http://www.inderscience.com/browse/index.php?journalID=76

    Related research

    Keywords: consumer behaviour; innovation; internet banking; e-banking; security; new technologies; financial services; Finland; m-banking; mobile banking; commercialisation.;

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    Cited by:
    1. Imola Drigă & Dorina Niţă & Codruţa Dura, 2009. "Aspects Regarding Internet Banking Services in Romania," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 9(3), pages 239-248.

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