A sample selection model of consumer adoption of computer banking

Journal of Financial Services Research

Volumn 26, Issue 3, 2004, Pages 263-275

  Lee, Eun Ju ^a   Eastwood, David B ^a   Lee, Jinkook ^a  

^a UNIVERSITY OF TENNESSEE   (United States)

Author keywords

bivariate probit selection model; computer banking; consumer adoption acceptance; Sample selection bias

Indexed keywords

EID: 4444311777     PISSN: 09208550     EISSN: None     Source Type: Journal    
DOI: 10.1023/B:FINA.0000040052.74854.bd     Document Type: Review

References (47)

1. Abowd, J., and H. Farber. "Job Queues and the Union Status of Workers." Industrial Relations Review 35 (1982), 354-367.
2. Bass, F. M. "A New Product Growth Model for Consumer Durables." Marketing Science 15 (January 1969), 215-227.
3. Belsley, D. A., E. Kuh, and R. E. Welsch. Regression Diagnostics, Identifying Influential Data, and Sources of Collinearity. New York: Wiley, 1980.
4. Bitner, M. J., S. W. Brown, and M. L. Meuter. "Technology Infusion in Service Encounters." Journal of the Academy of Marketing Science 28, no. 1 (2000), 138-149.
5. Blattberg, R. C., and J. Golanty. "Tracker: An Early Test Market Forecasting Diagnostic Model for New Product Planning." Journal of Marketing Research 15 (May 1978), 192-202.
6. Boyes, W. J., D. Hoffman, and S. Low. "An Econometric Analysis of the Bank Credit Scoring Problem." Journal of Econometrics 40, no. 1 (1989), 3-14.
7. Burnett, J. J. "Adult Singles: An Untapped Market." International Journal of Bank Marketing 8, no. 4 (1990), 10-16.
8. Campbell, C. J., L. H. Ederington, and P. Vankudre. "Tax Shields, Sample-Selection Bias, and the Information Content of Conversion-Forcing Bond Calls." The Journal of Finance 46, no. 4 (1991), 1291-1324.
9. Chatterjee, R., and J. Eliashberg. "The Innovation Diffusion Process in a Heterogeneous Population: A Micromodeling Approach." Management Science 36, no. 9 (1990), 1057-1079.
10. Dabholkar, P. "Consumer Evaluations of New-Technology-Based Self Service Options: An Investigation of Alternative Models of Service Quality." International Journal of Research in Marketing 13, no. 1 (1996), 29-51.
11. Davis, F. D. "Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology." MIS Quarterly 13, no. 3 (1989), 319-339.
12. Foster, A., and M. Rosenzweig. "Learning By Doing and Learning From Others: Human Capital and Technological Change in Agriculture." Journal of Political Economy 103 (1995), 1176-1209.
13. Frame, W. S., and L. J. White. "Empirical Studies of Financial Innovation: Lots of Talk, Little Action?" Federal Reserve Bank of Philadelphia Conference on Innovation in Financial Services and Payments, May, 2002. http://www.phil.frb.org/econ/conf/innovations.
14. Furst, K., W. W. Lang, and D. E. Nolle. "Internet Banking." Journal of Financial Services Research 22, nos. 1/2 (2002), 95-117.
15. Gatignon, H., and T. R. Robertson. "A Propositional Inventory for New Diffusion Research." Journal of Consumer Research 11 (March 1985), 849-867.
16. Greene, W. H. Econometric Analysis 5th edn. New Jersey: Prentice-Hall, 2003.
17. Greene, W. H. LIMDEP Version 7.0 User's Manual. New York: Econometric Software, Inc., 1998.
18. Heckman, J. J. "The Common Structure of Statistical Models of Truncation, Sample Selection, and Limited Dependent Variables and a Simple Estimator for Such Models." Annals of Economic and Social Measurement 5/4 (1976), 475-492.
19. Heckman, J. J. "Sample Selection Bias as a Specification Error." Econometrica 47, no. 1 (1979), 153-160.
20. Hefter, T. J. "Go With Those You Know: Sell to Existing Customers." Bottomline 4, no. 11 (1987), 15-20.
21. Helwege, J., and C. M. Turner. "The Slope of the Credit Yield Curve for Speculative-Grade Issuers." The Journal of Finance 54, no. 5 (1999), 1869-1884.
22. Irwin, D., and P. J. Klenow. "Learning By Doing Spillovers in the Semiconductor Industry." Journal Political Economics 102 (1994), 1200-1227.
23. Kalish, S. "A New Product Adoption Model with Price, Advertising, and Uncertainty." Management Science 31, no. 12 (1985), 1569-1585.
24. Klaauw, B., and R. H. Koning. "Testing the Normality Assumption in the Sample Selection Model with an Application to Travel Demand." Journal of Business and Economic Studies 21, no. 1 (2003), 31-42.
25. Labby, D. G., and T. C. Kinnear. "Exploring the Consumer Adoption Process in the Adoption of Solar Energy Systems." Journal of Consumer Research 8 (December 1985), 271-278.
26. Lavidge, R. J., and Gary A. Steiner. "A Model for Predictive Measurements of Advertising Effectiveness." Journal of Marketing 25 (October 1961), 59-62.
27. Leung, S.-F., and S. Yu. "On the Choice Between Sample Selection and Two-Part Models." Journal Econometrics 72, no. 1 (1996), 107-128.
28. Lilien, G., P. Kotler, and K. S. Moorthy. Marketing Models. Engelwood Cliffs, NJ: Prentice Hall, 1992.
29. Mahajan, V., E. Muller, and F. M. Bass. "New Product Diffusion Models in Marketing: A Review and Directions for Research." Journal of Marketing 54 (January 1990), 1-26.
30. Mahajan, V., E. Muller, and R. Kerin. "Introduction Strategies for Products with Positive and Negative Words of Mouth." Marketing Science 30 (December 1984), 179-197.
31. Manski, C. F. "Anatomy of the Selection Problem." Journal of Human Resources 24, no. 3 (1989), 343-360.
32. Murphy, N. B., and R. C. Rogers. "Life Cycle and the Adoption of Consumer Financial Innovation: An Empirical Analysis of the Adoption Process." Journal of Bank Marketing 17, no. 1 (1986), 3-8.
33. Nawata, K. "A Note on the Estimation of Models with Sample-Selection Biases." Economics Letters 42 (1993), 15-24.
34. Nawata, K. "Estimation of Sample Selection Bias Models by the Maximum Likelihood Estimator and Heckman's Two-Step Estimator." Economics Letters 45 (1994), 33-40.
35. Nawata, K., and N. Nagase. "Estimation of Sample Selection Bias Models." Econometric Review 15, no. 4 (1996), 387-400.
36. Ostlund, L. E. "Perceived Innovation Attributes as Predictors of Innovativeness." Journal of Consumer Research 1 (June 1974), 23-29.
37. Parasuraman, A., V. A. Zeithaml, and L. L. Berry. "SERVQUAL: A Multiple-Item for Measuring Consumer Perception of Service Quality." Journal of Retailing 64, no. 1 (1998), 12-30.
38. Petersen, M. A., and R. G. Rajan. "Does Distance Still Matter? The Information Revolution in Small Business Lending." Journal of Finance 57, no. 6 (2002), 2533-2570.
39. Raddon, G. "A Profit-Driven Scheme." Credit Union Management 19, no. 6 (1996), 38-39.
40. Roberts, J. H., and J. M. Lattin. "Disaggregate-Level Diffusion Models." In: Mahajan, Vijay, Eitan Muller, and Yoram Wind, eds., New Product Diffusion Models. New York: Kluwer, 1999, pp. 207-236.
41. Rogers, E. E. Diffusion of Innovations. New York: The Free Press, 1995.
42. Sinha, R. K., and M. Chandrashekaran. "A Split Hazard Model for Analyzing the Diffusion of Innovations." Journal of Marketing Research 29 (February 1992), 116-127.
43. Stanley, T. O., J. K. Ford, and S. K. Richards. "Segmentation of Bank Customers by Age." International Journal of Bank Marketing 3, no. 3 (1985), 56-63.
44. Swaminathan, V., E. Lepkowska-White, and B. Rao. "Browsers or Buyers in Cyberspace? An Investigation of Factors Influencing Electronic Exchange." Journal of Computer-Mediated Communications (1999), http://www.ascusc.org/jcmc/vol5/issue2/swaminathan.htm.
45. Vella, F. "Estimating Models with Sample Selection Bias: A Survey." Journal of Human Research 33, no. 1 (1998), 127-169.
46. Wynand, P., and B. van Praag. "The Demand for Deductibles in Private Health Insurance." Journal of Econometrics 17 (1981), 229-252.
47. Zeithaml, V., and M. C. Gilly. "Characteristics Affecting the Acceptance of Retailing Technologies: A Comparison of Elderly and Non-Elderly Consumers." Journal of Retailing 63, no. 1 (1987), 49-68.