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http://dx.doi.org/10.14400/JDC.2020.18.12.205

Why People Adopt the Virtual Bank? -An Empirical Study on Motivational Factors-  

Lee, Seulki (Digital Finance Department, KB Kookmin Bank)
Lee, Jungwoo (Graduate School of Information, Yonsei University)
Publication Information
Journal of Digital Convergence / v.18, no.12, 2020 , pp. 205-216 More about this Journal
Abstract
In this study, a research model is constructed based on the theory of technology adoption. Independent constructs are largely grouped into two: (1) virtual bank characteristics (responsiveness, ease of use, economic benefits, and security), and (2) individual characteristics (innovativeness, self-efficacy and Internet experience). On the dependent side, user satisfaction is posited to influence the loyalty via intention to continuous use. PLS analysis of 194 data points collected revealed that economic benefits, security, innovativeness, and Internet experiences are significantly and positively associated with user satisfaction, intention to continuous use and loyalty. Paths among satisfaction and intention towards the loyalty are also validated. Details of results are discussed with practical and academic implications.
Keywords
Virtual bank; intention to continuous use; satisfaction; bank characteristics; user characteristics;
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Times Cited By KSCI : 13  (Citation Analysis)
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