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Dynamics of Internet Banking Adoption

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  • Yoonhee Tina Chang

    (Centre for Competition Policy, University of East Anglia)

Abstract

This paper analyses the behaviour of banks' customers when a new technology (internet banking) is introduced. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. There is evidence that adoption of internet banking is influenced by sex, age, marital status, degree of exposure to internet banking, and the characteristics of the banks. A duration analysis shows no evidence of first mover advantage (order effects) in internet banking whilst the largest bank (rank effects) in commercial banking remains dominant in internet banking. The results imply that the internet banking adoption is dominated by social norm effects.

Suggested Citation

  • Yoonhee Tina Chang, 2006. "Dynamics of Internet Banking Adoption," Working Paper series, University of East Anglia, Centre for Competition Policy (CCP) 2006-03, Centre for Competition Policy, University of East Anglia, Norwich, UK..
    • Handle: RePEc:uea:ueaccp:2006_03
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    Keywords

    Internet Banking; Technology Adoption; First-Mover Advantage; Pre-Emption; Social Norm;
    All these keywords.

    JEL classification:

    • D80 - Microeconomics - - Information, Knowledge, and Uncertainty - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • L00 - Industrial Organization - - General - - - General
    • L89 - Industrial Organization - - Industry Studies: Services - - - Other
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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