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The relationship between the adoption of Internet banking and electronic connectivity: - An international comparison


  • Steven Li
  • Andrew C. Worthington


This paper is concerned with the relationship between the adoption rate of Internet banking and electronic connectivity. Electronic connectivity is measured using three components: personal computer connectivity, Internet connectivity and mobile phone connectivity. Regression is used to analyse these relationships for a sample of developed and developing economies. The results indicate that changes in electronic connectivity, however defined, have a significant impact on the adoption rate of Internet banking. The most significant influence on the adoption rate of Internet banking would appear to be the increase in the percentage of the population owning personal computers.

Suggested Citation

  • Steven Li & Andrew C. Worthington, 2004. "The relationship between the adoption of Internet banking and electronic connectivity: - An international comparison," School of Economics and Finance Discussion Papers and Working Papers Series 176, School of Economics and Finance, Queensland University of Technology.
  • Handle: RePEc:qut:dpaper:176

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    References listed on IDEAS

    1. Richard J. Sullivan, 2000. "How has the adoption of Internet banking affected performance and risk in banks?," Financial Industry Perspectives, Federal Reserve Bank of Kansas City, issue Dec, pages 1-16.
    2. Brian Mantel, 2000. "Why do consumers pay bills electronically? an empirical analysis," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q IV, pages 32-48.
    3. Setsuya Sato & John Hawkins, 2001. "Electronic finance: an overview of the issues," BIS Papers chapters,in: Bank for International Settlements (ed.), Electronic finance: a new perspective and challenges, volume 7, pages 1-12 Bank for International Settlements.
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