IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/77745.html
   My bibliography  Save this paper

The Relevance of Age Categories in explaining Internet Banking Adoption Rates and Customers' Attitudes towards the Service

Author

Listed:
  • Silvio John, Camilleri
  • Gail, Grech

Abstract

This paper focuses on customers’ attitudes towards internet banking (IB), with particular reference to generational differences vis-à-vis such service. These factors are important for banks to project how demand is likely to develop over time. After modelling the IB adoption decision across a sample of countries, we conduct a questionnaire amongst bank customers who include users and non-users of IB and set up focus groups, each comprising participants from a specific age bracket. Whilst generational factors do not emerge as significant in the regression models, the questionnaires and focus groups suggest that generations differ in their attitudes towards IT-delivery systems and choice of preferred delivery channels. In this way banks have to constantly ensure that their online product mix is appropriate to cater for such distinct needs, especially in view of the increasing competition from non-bank entities in areas such as payments services.

Suggested Citation

  • Silvio John, Camilleri & Gail, Grech, 2017. "The Relevance of Age Categories in explaining Internet Banking Adoption Rates and Customers' Attitudes towards the Service," MPRA Paper 77745, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:77745
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/77745/1/MPRA_paper_77745.pdf
    File Function: original version
    Download Restriction: no
    ---><---

    Other versions of this item:

    References listed on IDEAS

    as
    1. Silvio John Camilleri, 2005. "An Analysis of the Profitability, Risk and Growth Indicators of Banks Operating In Malta," Finance 0507021, University Library of Munich, Germany.
    2. Ahmad Mashal & Emad Ahmed, 2015. "Effects of TQM Practices on Banking Sector Performance: The Case of Jordan," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 5(6), pages 1-7.
    3. Pratham, 2015. "Annual Status of Education Report (Rural) 2014," Working Papers id:6398, eSocialSciences.
    4. Camilleri, Silvio John & Cortis, Justine & Fenech, Maria Diandra, 2013. "Service Quality and Internet Banking: Perceptions of Maltese Retail Bank Customers," MPRA Paper 62492, University Library of Munich, Germany.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Silvio John Camilleri & Denise Ellul, 2017. "Younger Customers' Outlooks when Selecting and Changing a Financial Services Provider: The Case of Maltese Students," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 8(2), pages 51-63, April.
    2. Doddamani, Chetan & Manoj, M., 2022. "Residential relocation and changes in household vehicle ownership and travel behavior: Exploring the context of Hubli-Dharwad twin-cities in India from a planning viewpoint," Transportation Research Part A: Policy and Practice, Elsevier, vol. 164(C), pages 134-155.
    3. Marques, Joseph C. & Lupina-Wegener, Anna & Schneider, Susan, 2017. "Internationalization strategies of emerging market banks: Challenges and opportunities," Business Horizons, Elsevier, vol. 60(5), pages 715-723.
    4. Liliana Anamaria Draghici, 2016. "The Fiscal Policy in the EU States from Central and Eastern Europe," Finante - provocarile viitorului (Finance - Challenges of the Future), University of Craiova, Faculty of Economics and Business Administration, vol. 1(18), pages 150-158, November.
    5. Emhamad Elmansori & Adel S. Al-Hindawi, 2022. "The impact of organizational change strategies on competitive advantage in commercial banks in Al-Bayda City-Libya," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 11(1), pages 85-97, January.
    6. Mathai George, 2017. "Customers’ Opinion on Online Banking Service Quality - A Study in Selected Cities of Kerala," Shanlax International Journal of Economics, Shanlax Journals, vol. 6(1), pages 56-62, December.
    7. Joo, Dongoh & Tasci, Asli D.A. & Woosnam, Kyle M. & Maruyama, Naho U. & Hollas, Chadley R. & Aleshinloye, Kayode D., 2018. "Residents' attitude towards domestic tourists explained by contact, emotional solidarity and social distance," Tourism Management, Elsevier, vol. 64(C), pages 245-257.
    8. Navyashree G. R. & Savita Bhat, 2016. "ICT Investments and Growth of Small and Medium Firms: A Study of Food Processing Industry in India," Working Papers id:11306, eSocialSciences.
    9. Anjali Adukia, 2017. "Sanitation and Education," American Economic Journal: Applied Economics, American Economic Association, vol. 9(2), pages 23-59, April.
    10. Guilcher, Sara & Munce, Sarah & Conklin, James & Packer, Tanya & Verrier, Molly & Marras, Connie & Bereket, Tarik & Versnel, Joan & Riopelle, Richard & Jaglal, Susan, 2017. "The financial burden of prescription drugs for neurological conditions in Canada: Results from the National Population Health Study of Neurological Conditions," Health Policy, Elsevier, vol. 121(4), pages 389-396.
    11. Julius Yaw Asamoah & Linda Owusu-Agyei, 2020. "The Impact of ICT on Financial Sector Policy Reforms in Post-Financial crisis era in Ghana: An institutional theory perspective," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 9(2), pages 82-100, April.
    12. Buschmann, Christian & Schmaltz, Christian, 2017. "Sovereign collateral as a Trojan Horse: Why do we need an LCR+," Journal of Financial Stability, Elsevier, vol. 33(C), pages 311-330.
    13. Gorecki, Paul K., 2017. "Competition and vested interests in taxis in Ireland: A tale of two statutory instruments," Transportation Research Part A: Policy and Practice, Elsevier, vol. 101(C), pages 228-237.
    14. Hayat, Zafar & Balli, Faruk & Rehman, Muhammad, 2017. "The relevance and relative robustness of sources of inflation bias in Pakistan," Economic Modelling, Elsevier, vol. 63(C), pages 283-303.
    15. Raymond Chaudron, 2016. "Bank profitability and risk taking in a prolonged environment of low interest rates: a study of interest rate risk in the banking book of Dutch banks," DNB Working Papers 526, Netherlands Central Bank, Research Department.
    16. Baum, Donald R., 2018. "Private school vouchers in developing countries: A survey of the evidence," SocArXiv 6j7qp, Center for Open Science.
    17. Masino, Serena & Niño-Zarazúa, Miguel, 2016. "What works to improve the quality of student learning in developing countries?," International Journal of Educational Development, Elsevier, vol. 48(C), pages 53-65.
    18. I Nyoman Wijana Asmara Putra & Ni Made Dwi Ratnadi, 2021. "Intellectual Capital and Its Disclosure on Firm Value: Evidence of Indonesian Banking Industries," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 10(1), pages 86-95, January.
    19. Marshall, Lydia & Moore, Rhiannon, 2022. "Does school effectiveness differentially benefit boys and girls? Evidence from Ethiopia, India and Vietnam," International Journal of Educational Development, Elsevier, vol. 88(C).
    20. Thilakaweera, Bolanda Hewa & Harvie, Charles & Arjomandi, Amir, 2016. "Branch expansion and banking efficiency in Sri Lanka’s post‐conflict era," Journal of Asian Economics, Elsevier, vol. 47(C), pages 45-57.

    More about this item

    Keywords

    Bank Delivery Channels; Generations; Internet Banking; Malta; Retail Banking.;
    All these keywords.

    JEL classification:

    • J10 - Labor and Demographic Economics - - Demographic Economics - - - General
    • M15 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - IT Management
    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:77745. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Joachim Winter (email available below). General contact details of provider: https://edirc.repec.org/data/vfmunde.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.