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How perceived security appears in the commercialisation of internet banking


  • Anssi Mattila
  • Minna Mattila


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.

Suggested Citation

  • Anssi Mattila & Minna Mattila, 2005. "How perceived security appears in the commercialisation of internet banking," International Journal of Financial Services Management, Inderscience Enterprises Ltd, vol. 1(1), pages 89-101.
  • Handle: RePEc:ids:ijfsmg:v:1:y:2005:i:1:p:89-101

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    Cited by:

    1. Ksenija Dumičić & Anita Čeh Časni & Irena Palić, 2015. "Multivariate analysis of determinants of Internet banking use in European Union countries," Central European Journal of Operations Research, Springer;Slovak Society for Operations Research;Hungarian Operational Research Society;Czech Society for Operations Research;Österr. Gesellschaft für Operations Research (ÖGOR);Slovenian Society Informatika - Section for Operational Research;Croatian Operational Research Society, vol. 23(3), pages 563-578, September.
    2. 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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