Browse > Article
http://dx.doi.org/10.14400/JDC.2015.13.11.35

Internet Banking Attitudes in Association with Demographics and Motivations  

John, Yongjean (Dept. of Business Administration, Woosuk University)
Publication Information
Journal of Digital Convergence / v.13, no.11, 2015 , pp. 35-43 More about this Journal
Abstract
This paper examines Internet banking attitudes associated with demographics and motivations for Internet banking subscribers to access their online banking sites. To find out the relationships among demographics, motivation, and attitude, I conducted ANOVA and regression analysis using survey data. The results of the paper found that age group and experience were significant demographic variable impacting motivation of economic benefits and users with much experience. Male users had stronger motivation of entertainment and getting better information than female users. Users with longer experience and frequent visitors had positive attitude on financial products. All motivation factors had influences on attitudes on both of financial products and Internet banking. This study suggests the features of Internet banking attitudes and motivations by demographics, from which we can figure out how to motivate Internet banking users for them not only to actively access their online banks rather than visit banks in person but also to have positive attitudes on their banks and Internet banking.
Keywords
Internet banking; demographics; motivation; attitude; empirical study;
Citations & Related Records
Times Cited By KSCI : 4  (Citation Analysis)
연도 인용수 순위
1 Ariguzo, Godwin C., Efrem G. Mallach, and D. Steven White, "The First Decade of E-commerce," International Journal of Business Information Systems, Vol.1, No.3, pp.239-255, 2006.   DOI
2 Assael, Henry, Consumer behavior and Marketing Action, 6, Cincinnati, Thomson, 1998
3 Atkinson, M. A. and C. Kydd, "Individual characteristics Associated with world wide Web Use: An Empirical Study of Playfulness and Motivation," The Database for Advances in Information Systems, Vol.28, No.2, pp.53-62, 1997.   DOI
4 Chiang, Kuan-Pin and Ruby Roy Dholakia, "Factors Driving consumer Intentions to Shop online: An Empirical Investigation," Journal of Consumer Psychology, Vol.13, No.1/2, pp.177-183, 2003.   DOI
5 Choi, Junho, and Jungjoo Jahng, "Predictors of E-commerce Use of the Internet: A Multinational Comparative Study-the U.S., the Netherlands, and S. Korea", Seoul Journal of Business, Vol.15, No.1, pp.65-90, 2009.
6 Dillon, Thomas W. and Harry L. Reif, "Factors influencing Consumers' E-commerce Commodity Purchases," Information Technology, Learning, and Performance Journal, Vol.22, No.3, pp.66-88, 2004.
7 Eagly, Alice H. and Shelly Chaihen, The Psychology of Attitudes, Fort Worth TX: Harcourt College Publishers, 1993.
8 John, Yongjean, "A Study on the Factors Affecting Performance of Education Web Usage by University Students" The Journal of Digital Policy & Management, Vol.7, No.2, pp.83-91, 2009.
9 John, Yongjean, "Validating Constructs of Web Usage in Education and Learning," The Journal of Digital Policy & Management, 8(4), pp.109-121, 2010.
10 John, Yongjean, "Relationship between Motivations and Performances on the Internet Use," The Journal of Digital Policy & Management, Vol.9, No.4, pp.109-121, 2011.
11 John, Yongjean, "A Determination of the Factors contributing to Internet Banking," The Journal of Digital Policy & Management, Vol.10, No.11, pp.1-8, 2012.
12 Keat, Teoh Kung and Avvari Mohan, "Integration of TAM Based Electronic Commerce Models for Trust, Journal of American Academy of Business, Vol.5, No.1/2, pp.404-410, 2004.
13 Kim, Kyu and Bipin Prabhakar, "Initial Trust, Perceived Risk and the Adoption of Internet Banking," Proceedings of the Twenty First International Conference on Information Systems, pp.537-543, 2000.
14 Lim, Kee-Sook, Jeen-Su Lim, and John H. Heinrichs, "Structural Model Comparison of the Determining Factors for E-Purchase," Seoul Journal of Business, Vol..11, No.2, Dec., pp.119-143, 2005.
15 Stafford, Thomas F. and Marla Royne Stafford , "Identifying Motivations for the Use of Commercial Web Sites," Information resources management Journal, Vol.14, No.1, pp.22-30, 2001   DOI
16 Monsuwe, Tonita Pereay, Benedict G. C. Dellaert, and Ko de Ruyter, " What drives Consumers to Shop Online? A Literature Review," International Journal of Service Industry Management, Vol.15, No.1, pp.102-121, 2004.   DOI
17 Pikkarainen, Tero, Kari Pikkarainen, Hekki Karjaluoto and Seppo Pahnila, "Consumer Acceptance of Online banking: An Extension of the Technology Acceptance Model," Internet Research, Vol.14, No.3, pp.224-235, 2004.   DOI
18 Selim, Hassan M, "Critical success Factors for e-learning Acceptance: Confirmatory Factor Models," Computer & Education, Vol.49, No.2, pp.396-413, 2007.   DOI
19 Teo, Thompson S.H., "Demographic and Motivation Variables Associated with Internet Usage Activities", Internet Research: Electronic Networking Applications and Policy, Vol.11, No.2, pp.125-137, 2001.   DOI
20 Yim, Kiheung and Yongjean John, "An Empirical Study on Affecting Web-base Education by Web perceived Level for Education," The Journal of Digital Policy & Management, Vol.6, No.4, pp.157-163, 2008.
21 Zhou, Lina, Liwei Dai, and Dongsong Zhang, "Online Shopping Acceptance Model: A Critical survey of Consumer Factors in Online Shopping," Journal of Electronic Commerce research, Vol.8, No.1, pp.41-62, 2007.