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Dynamics Of Banking Technology Adoption : An Application To Internet Banking

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  • Chang, Yoonhee Tina

    (Department of Economics, University of Warwick)

Abstract

This paper is concerned with examining behaviour of firms (banks) and consumers (banks’ customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find 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 bankin g adoption is dominated by social norm effects.

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File URL: http://www2.warwick.ac.uk/fac/soc/economics/research/workingpapers/2008/twerp664.pdf
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Bibliographic Info

Paper provided by University of Warwick, Department of Economics in its series The Warwick Economics Research Paper Series (TWERPS) with number 664.

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Length: 29 pages
Date of creation: 2003
Date of revision:
Handle: RePEc:wrk:warwec:664

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Related research

Keywords: internet banking ; technology adoption ; first-mover advantage ; pre-emption ; social norm;

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Cited by:
  1. Gerard Llobet & Rubén Hernández-Murillo & Roberto Fuentes, 2008. "Strategic Online-Banking Adoption," Working Papers wp2008_0813, CEMFI.
  2. Byoung-Min Kim & Richard Widdows & Tansel Yilmazer, 2005. "The determinants of consumers’ adoption of Internet banking," Conference Series ; [Proceedings], Federal Reserve Bank of Boston.

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