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A Study Of Bank Customers’ Perceived Usefulness Of Adopting Online Banking

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  • Hsueh-Ying Wu
  • Chun-Chun Lin
  • Cheng-Lung Li
  • Hsing-Hui Lin

Abstract

As information technology rapidly changes the fabrics of industries in recent years, the trade of online banking has become more diversified. Specializing in unlimited, speedy and convenient services, online banking has transformed traditional banking in many countries. The managements’ ability to anticipate and respond to such changes in the financial marketplace, thus, has a decisive influence on the success or failure of many retail banks. The present study, exploratory in nature, was intended to develop a comprehensive conceptual framework from which researchers could empirically examine and explain the relationship between customers’ perceived usefulness of online banking and the relative advantages of online banking, its website quality, knowledge & support, information quality and customer trust in Taiwan. Multiple regressions were conducted to test the above-mentioned relationships. The statistical results show that relative advantages, trust and perceived ease of use .are more important and critical to customer’s intention of online banking adoption. This study further offers a marketing insight for managers to effectively deploy online system and service. In designing online banking services, software developers should pay close attention to informative content that will be, above all, perceived by customers as useful and relevant.

Suggested Citation

  • Hsueh-Ying Wu & Chun-Chun Lin & Cheng-Lung Li & Hsing-Hui Lin, 2010. "A Study Of Bank Customers’ Perceived Usefulness Of Adopting Online Banking," Global Journal of Business Research, The Institute for Business and Finance Research, vol. 4(3), pages 101-108.
    • Handle: RePEc:ibf:gjbres:v:4:y:2010:i:3:p:101-108
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    References listed on IDEAS

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    1. Christoslav E. Anguelov & Marianne A. Hilgert & Jeanne M. Hogarth, 2004. "U.S. consumers and electronic banking, 1995-2003," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 90(Win), pages 1-18.
    2. Guido K. Schaefer, 2005. "Money, Trust, and Banking," Palgrave Macmillan Books, Palgrave Macmillan, number 978-0-230-51326-6, March.
    3. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
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    Cited by:

    1. Chandan Kumar Behera & Ritika Dadra, 2024. "Understanding young consumers’ attitude formation for new-age fintech credit products: an SOR framework perspective," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 964-978, September.
    2. Samadzad, Mahdi & Nosratzadeh, Hossein & Karami, Hossein & Karami, Ali, 2023. "What are the factors affecting the adoption and use of electric scooter sharing systems from the end user's perspective?," Transport Policy, Elsevier, vol. 136(C), pages 70-82.

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