메뉴 건너뛰기




Volumn 13, Issue 4, 2009, Pages 284-299

Exploring the adoption of a service innovation: A study of Internet banking adopters and non-adopters

Author keywords

Adopter categories; Adoption; Internet banking; Technology Acceptance Model; Turkey

Indexed keywords


EID: 68549133237     PISSN: 13630539     EISSN: 14791846     Source Type: Journal    
DOI: 10.1057/fsm.2008.25     Document Type: Article
Times cited : (63)

References (56)
  • 1
    • 18844452454 scopus 로고    scopus 로고
    • The dynamics of technological change in UK retail banking services: An evolutionary perspective
    • Consoli, D. (2005) The dynamics of technological change in UK retail banking services: An evolutionary perspective. Research Policy 34(4): 461-480.
    • (2005) Research Policy , vol.34 , Issue.4 , pp. 461-480
    • Consoli, D.1
  • 2
    • 0038309723 scopus 로고    scopus 로고
    • Financial deregulation and total factor productivity change: An empirical study of Turkish commercial banks
    • Isik, I. and Hassan, M. K. (2003) Financial deregulation and total factor productivity change: An empirical study of Turkish commercial banks. Journal of Banking & Finance 27(8): 1455-1485.
    • (2003) Journal of Banking & Finance , vol.27 , Issue.8 , pp. 1455-1485
    • Isik, I.1    Hassan, M.K.2
  • 3
    • 68549138916 scopus 로고    scopus 로고
    • New service development: Insights from an exploratory study into the Turkish retail banking sector
    • Ozdemir, S., Trott, P. and Hoecht, A. (2007) New service development: Insights from an exploratory study into the Turkish retail banking sector. Innovation: Management, Policy and Practice 9(3-4): 276-291.
    • (2007) Innovation: Management, Policy and Practice , vol.9 , Issue.3-4 , pp. 276-291
    • Ozdemir, S.1    Trott, P.2    Hoecht, A.3
  • 4
    • 50649102138 scopus 로고    scopus 로고
    • Innovation in the service sector: Exploring the adoption of Internet banking services in Turkey
    • D.F. Kocaoglu, T. R. Anderson, D.Z. Milosevic, K. Niwa and H. Tschirky eds
    • Ozdemir, S., Trott, P. and Hoecht, A. (2006) Innovation in the service sector: Exploring the adoption of Internet banking services in Turkey. In: D.F. Kocaoglu, T. R. Anderson, D.Z. Milosevic, K. Niwa and H. Tschirky (eds.) Engineering and Technology (PICMET) Proceedings. Istanbul, Turkey: PICMET, pp. 1947-1955.
    • (2006) Engineering and Technology (PICMET) Proceedings. Istanbul, Turkey: PICMET , pp. 1947-1955
    • Ozdemir, S.1    Trott, P.2    Hoecht, A.3
  • 5
    • 84869592486 scopus 로고    scopus 로고
    • The Banks Association of Turkey, December
    • The Banks Association of Turkey. (2006) Inter net banking statistics (December 2006). http://www.tbb.org.tr/ english/.
    • (2006) Inter net banking statistics
  • 7
    • 27944456133 scopus 로고    scopus 로고
    • Institutional isomorphism and the adoption of information technology for supply chain management
    • Lai, K. H., Wong, C. W. Y. and Cheng, T. C. E. (2006) Institutional isomorphism and the adoption of information technology for supply chain management. Computers in Industry 57 : 93-98.
    • (2006) Computers in Industry , vol.57 , pp. 93-98
    • Lai, K.H.1    Wong, C.W.Y.2    Cheng, T.C.E.3
  • 8
    • 33947532484 scopus 로고    scopus 로고
    • Consumer attitudes, system's characteristics and Internet banking adoption in Malaysia
    • Ndubisi, N. O. and Sinti, Q. (2006) Consumer attitudes, system's characteristics and Internet banking adoption in Malaysia. Management Research News 29(1/2): 16-27.
    • (2006) Management Research News , vol.29 , Issue.1-2 , pp. 16-27
    • Ndubisi, N.O.1    Sinti, Q.2
  • 9
    • 0002305454 scopus 로고
    • From Intentions to Actions: A Theory of Planned Behaviour
    • J. Kuhl and J. Beckmann eds, New York: Springer Verlag, pp
    • Ajzen, I. (1985) From Intentions to Actions: A Theory of Planned Behaviour. In: J. Kuhl and J. Beckmann (eds.) Action Control: From Cognition to Behaviour. New York: Springer Verlag, pp. 11-39.
    • (1985) Action Control: From Cognition to Behaviour , pp. 11-39
    • Ajzen, I.1
  • 10
    • 55249087535 scopus 로고
    • Perceived usefulness, perceived ease of use, and user acceptance of information technology
    • Davis, F. (1989) Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly 13(3): 319-340.
    • (1989) MIS Quarterly , vol.13 , Issue.3 , pp. 319-340
    • Davis, F.1
  • 13
    • 73549114871 scopus 로고
    • Predicting user intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behaviour
    • Mathieson, K. (1991) Predicting user intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behaviour. Internet Systems Research 2(3): 173-191.
    • (1991) Internet Systems Research , vol.2 , Issue.3 , pp. 173-191
    • Mathieson, K.1
  • 14
    • 17744362074 scopus 로고    scopus 로고
    • Mobile Internet acceptance in Korea
    • Cheong, J. H. and Park, M. C. (2005) Mobile Internet acceptance in Korea. Internet Research 15(2): 125-140.
    • (2005) Internet Research , vol.15 , Issue.2 , pp. 125-140
    • Cheong, J.H.1    Park, M.C.2
  • 16
    • 84986009661 scopus 로고    scopus 로고
    • Borneo online banking: Evaluating customer perceptions and behavioural intention
    • Guriting, P. and Ndubisi, N. O. (2006) Borneo online banking: Evaluating customer perceptions and behavioural intention. Management Research News 29(1/2): 6-15.
    • (2006) Management Research News , vol.29 , Issue.1-2 , pp. 6-15
    • Guriting, P.1    Ndubisi, N.O.2
  • 19
    • 2942545383 scopus 로고    scopus 로고
    • Lu, J., Y u, C. S., Liu, C. and Y a o, J. E. (2003) Technology acceptance model for wireless Internet. Internet Research: Electronic Networking Applications and Policy 13(3): 206-222.
    • Lu, J., Y u, C. S., Liu, C. and Y a o, J. E. (2003) Technology acceptance model for wireless Internet. Internet Research: Electronic Networking Applications and Policy 13(3): 206-222.
  • 20
    • 14644438602 scopus 로고    scopus 로고
    • Toward an understanding of the behavioural intention to use mobile banking
    • Luarn, P. and Lin, H. (2005) Toward an understanding of the behavioural intention to use mobile banking. Computers in Human Behaviour 21(6): 873-891.
    • (2005) Computers in Human Behaviour , vol.21 , Issue.6 , pp. 873-891
    • Luarn, P.1    Lin, H.2
  • 21
    • 73549120882 scopus 로고
    • Understanding information technology usage: A test of competing models
    • Taylor, S. and Todd, P. A. (1995) Understanding information technology usage: A test of competing models. Information Systems Research 6(2): 144-176.
    • (1995) Information Systems Research , vol.6 , Issue.2 , pp. 144-176
    • Taylor, S.1    Todd, P.A.2
  • 22
    • 84986131366 scopus 로고    scopus 로고
    • An empir ical investigation of the Turkish consumers ' acceptance of Internet banking services
    • Polatoglu, V. N. and Ekin, S. (2001) An empir ical investigation of the Turkish consumers ' acceptance of Internet banking services. International Journal of Bank Marketing1 19(4): 156-165.
    • (2001) International Journal of Bank Marketing1 , vol.19 , Issue.4 , pp. 156-165
    • Polatoglu, V.N.1    Ekin, S.2
  • 23
    • 84986037693 scopus 로고    scopus 로고
    • Adoption of Internet banking among sophisticated consumer segments in an advanced developing country
    • Akinci, S., Aksoy, S. and Atilgan, E. (2004) Adoption of Internet banking among sophisticated consumer segments in an advanced developing country. International Journal of Bank Marketing 22(3): 212-232.
    • (2004) International Journal of Bank Marketing , vol.22 , Issue.3 , pp. 212-232
    • Akinci, S.1    Aksoy, S.2    Atilgan, E.3
  • 24
  • 25
    • 84986165710 scopus 로고    scopus 로고
    • Howcroft, B., Hamilton, R. and H e we r, P. (2002) Consumer attitude and the usage and adoption of home-based banking in the United Kingdom. International Journal of Bank Marketing 20(3): 111-121.
    • Howcroft, B., Hamilton, R. and H e we r, P. (2002) Consumer attitude and the usage and adoption of home-based banking in the United Kingdom. International Journal of Bank Marketing 20(3): 111-121.
  • 26
    • 22544443623 scopus 로고    scopus 로고
    • Internet banking adoption strategies for a developing country: The case of Thailand
    • Jaruwachirathanakul, B. and Fink, D. (2005) Internet banking adoption strategies for a developing country: The case of Thailand. Internet Research 15(3): 295-311.
    • (2005) Internet Research , vol.15 , Issue.3 , pp. 295-311
    • Jaruwachirathanakul, B.1    Fink, D.2
  • 27
    • 3042810442 scopus 로고    scopus 로고
    • Electronic banking in Finland: Consumer beliefs and reactions to a new delivery channel
    • Karjaluoto, H., Mattila, M. and Pento, T. (2002) Electronic banking in Finland: Consumer beliefs and reactions to a new delivery channel. Journal of Financial Services Marketing 6(4): 346-361.
    • (2002) Journal of Financial Services Marketing , vol.6 , Issue.4 , pp. 346-361
    • Karjaluoto, H.1    Mattila, M.2    Pento, T.3
  • 28
    • 24144487101 scopus 로고    scopus 로고
    • Consumers ' attitudes towards online and mobile banking in China
    • Laforet, S. and Li, X. (2005) Consumers ' attitudes towards online and mobile banking in China. International Journal of Bank Marketing 23(5): 362-380.
    • (2005) International Journal of Bank Marketing , vol.23 , Issue.5 , pp. 362-380
    • Laforet, S.1    Li, X.2
  • 30
    • 67649951505 scopus 로고    scopus 로고
    • Consumer acceptance of electronic commerce: Integrating trust and risk with the Technology Acceptance Model
    • Pavlou, P. A. (2003) Consumer acceptance of electronic commerce: Integrating trust and risk with the Technology Acceptance Model. International Journal of Electronic Commerce 7(3): 101-134.
    • (2003) International Journal of Electronic Commerce , vol.7 , Issue.3 , pp. 101-134
    • Pavlou, P.A.1
  • 31
    • 3042855713 scopus 로고    scopus 로고
    • Consumer acceptance of online banking: An extension of the technology acceptance model
    • Pikkarainen, T., Pikkarainen, K., Karjaluoto, H. and Pahnila, S. (2004) Consumer acceptance of online banking: An extension of the technology acceptance model. Internet Research 14(3): 224-235.
    • (2004) Internet Research , vol.14 , Issue.3 , pp. 224-235
    • Pikkarainen, T.1    Pikkarainen, K.2    Karjaluoto, H.3    Pahnila, S.4
  • 32
    • 22544457245 scopus 로고    scopus 로고
    • Internet banking patronage: An empirical investigation of Malaysia
    • Suganthi, B. and Balachandran, G. (2001) Internet banking patronage: An empirical investigation of Malaysia. The Journal of Internet Banking and Commerce 6(10): http:// www.arraydev.com/commerce/JIBC/0103-01.htm.
    • (2001) The Journal of Internet Banking and Commerce , vol.6 , Issue.10
    • Suganthi, B.1    Balachandran, G.2
  • 33
    • 2442694624 scopus 로고    scopus 로고
    • Effect of trust on consumer acceptance of Internet banking
    • Suh, B. and Han, I. (2002) Effect of trust on consumer acceptance of Internet banking. Electronic Commerce Research and Applications 1(3): 247-263.
    • (2002) Electronic Commerce Research and Applications , vol.1 , Issue.3 , pp. 247-263
    • Suh, B.1    Han, I.2
  • 35
    • 35448953209 scopus 로고    scopus 로고
    • Perceived risk and e-banking services: An analysis from the perspective of the consumer
    • Cunningham, L. F., Gerlach, J. and Harper, M. D. (2005) Perceived risk and e-banking services: An analysis from the perspective of the consumer. Journal of Financial Services Marketing 10(2): 165-178.
    • (2005) Journal of Financial Services Marketing , vol.10 , Issue.2 , pp. 165-178
    • Cunningham, L.F.1    Gerlach, J.2    Harper, M.D.3
  • 36
    • 0007183523 scopus 로고
    • Components of perceived risk in product purchase: A cross validation
    • Kaplan, L. B., Szybillo, G. J. and Jacoby, J. (1974) Components of perceived risk in product purchase: A cross validation. Journal of Applied Psychology 59(3): 287-291.
    • (1974) Journal of Applied Psychology , vol.59 , Issue.3 , pp. 287-291
    • Kaplan, L.B.1    Szybillo, G.J.2    Jacoby, J.3
  • 38
    • 33746905907 scopus 로고    scopus 로고
    • Consumer perceptions of risk and uncertainty and the implications for Behaviour towards innovative retail services: The case of Internet banking
    • Littler, D. and Melanthiou, D. (2006) Consumer perceptions of risk and uncertainty and the implications for Behaviour towards innovative retail services: The case of Internet banking. Journal of Retailing and Consumer Services 13(6): 431-443.
    • (2006) Journal of Retailing and Consumer Services , vol.13 , Issue.6 , pp. 431-443
    • Littler, D.1    Melanthiou, D.2
  • 39
    • 0002591399 scopus 로고
    • Consumer rankings of risk reduction methods
    • Roselius, E. (1971) Consumer rankings of risk reduction methods. Journal of Marketing 35(1): 56-61.
    • (1971) Journal of Marketing , vol.35 , Issue.1 , pp. 56-61
    • Roselius, E.1
  • 40
    • 0042363557 scopus 로고    scopus 로고
    • Consumers ' perceived risk: Sources versus consequences
    • Lim, N. (2003) Consumers ' perceived risk: Sources versus consequences. Electronic Commerce Research and Applications 2(3): 216-228.
    • (2003) Electronic Commerce Research and Applications , vol.2 , Issue.3 , pp. 216-228
    • Lim, N.1
  • 41
    • 0043068849 scopus 로고    scopus 로고
    • Identifying Discriminating Variables of Online and Offl ine Buyers: A Perceived Risk Approach
    • H.M. Chung ed, Long Beach, CA: Omnipress, pp
    • Andrade, E. B. (2000) Identifying Discriminating Variables of Online and Offl ine Buyers: A Perceived Risk Approach. In: H.M. Chung (ed.) Proceedings of the 6th Americas Conference on Information Systems. Long Beach, CA: Omnipress, pp. 1386-1392.
    • (2000) Proceedings of the 6th Americas Conference on Information Systems , pp. 1386-1392
    • Andrade, E.B.1
  • 42
    • 1542362278 scopus 로고    scopus 로고
    • Developing processes of co-operative interrogational relationships
    • Ring, P. S. and De Ven, V. (2004) Developing processes of co-operative interrogational relationships. Academy of Management Review 1(19): 90-118.
    • (2004) Academy of Management Review , vol.1 , Issue.19 , pp. 90-118
    • Ring, P.S.1    De Ven, V.2
  • 43
    • 21344459430 scopus 로고
    • Inter-organisational relationships and information technology: A conceptual synthesis and a research framework
    • Bensaou, M. and Venkataman, N. (1960) Inter-organisational relationships and information technology: A conceptual synthesis and a research framework. European Journal of Information Systems 5: 84-91.
    • (1960) European Journal of Information Systems , vol.5 , pp. 84-91
    • Bensaou, M.1    Venkataman, N.2
  • 44
    • 0000984121 scopus 로고
    • Characteristics of adopters and non-adopters of home shoppers
    • Dickerson, M. D. and Gentry, J. W. (1983) Characteristics of adopters and non-adopters of home shoppers. Journal of Consumer Research 10: 225-234.
    • (1983) Journal of Consumer Research , vol.10 , pp. 225-234
    • Dickerson, M.D.1    Gentry, J.W.2
  • 45
    • 84986146430 scopus 로고    scopus 로고
    • Profi ling potential adopters and non-adopters of an interactive electronic shopping medium
    • Eastlick, M. A. and Lotz, S. (1999) Profi ling potential adopters and non-adopters of an interactive electronic shopping medium. International Journal of Retail & Distribution Management 27(6): 209-223.
    • (1999) International Journal of Retail & Distribution Management , vol.27 , Issue.6 , pp. 209-223
    • Eastlick, M.A.1    Lotz, S.2
  • 46
    • 84986038310 scopus 로고    scopus 로고
    • We b shoppers and non-shoppers: Compatibility, relative advantage and demographics
    • Karayanni, D. A. (2003) We b shoppers and non-shoppers: Compatibility, relative advantage and demographics. European Business Review 15(3): 141-152.
    • (2003) European Business Review , vol.15 , Issue.3 , pp. 141-152
    • Karayanni, D.A.1
  • 47
    • 68549113576 scopus 로고    scopus 로고
    • Classifying users and non-users of Internet banking in northern Malaysia
    • Ramayah, T., Taib, F. M. and Ling, K. P. (2006) Classifying users and non-users of Internet banking in northern Malaysia. The Journal of Internet Banking and Commerce 11(2): http://www.arraydev.com/commerce/JIBC/2006-08/ Thurasamy.asp.htm.
    • (2006) The Journal of Internet Banking and Commerce , vol.11 , Issue.2
    • Ramayah, T.1    Taib, F.M.2    Ling, K.P.3
  • 48
    • 18844365395 scopus 로고    scopus 로고
    • Consumer adoption of online grocery buying: A discr iminant analysis
    • Hansen, T. (2005) Consumer adoption of online grocery buying: A discr iminant analysis. International Journal of Retail & Distribution Management 33(2): 101-121.
    • (2005) International Journal of Retail & Distribution Management , vol.33 , Issue.2 , pp. 101-121
    • Hansen, T.1
  • 49
    • 0001449665 scopus 로고
    • A new product growth for model consumer durables
    • Bass, F. (1969) A new product growth for model consumer durables. Management Science 15(5): 215-227.
    • (1969) Management Science , vol.15 , Issue.5 , pp. 215-227
    • Bass, F.1
  • 50
    • 24144500348 scopus 로고    scopus 로고
    • Segmenting the non-adopter category in the diffusion of Internet banking
    • Lee, E. -J., Kwon, K. -N. and Schumann, D. W. (2005) Segmenting the non-adopter category in the diffusion of Internet banking. International Journal of Bank Marketing 23(5): 414-437.
    • (2005) International Journal of Bank Marketing , vol.23 , Issue.5 , pp. 414-437
    • Lee, E.-J.1    Kwon, K.-N.2    Schumann, D.W.3
  • 51
    • 68549138915 scopus 로고    scopus 로고
    • Saunder s, M., Lewis, P. and Thor nhill, A. (2003) Research Methods for Business Students. Essex: Pearson Educated Limited.
    • Saunder s, M., Lewis, P. and Thor nhill, A. (2003) Research Methods for Business Students. Essex: Pearson Educated Limited.
  • 53
    • 19644399068 scopus 로고    scopus 로고
    • Self-service technology adoption: Comparing three technologies
    • Curran, J. M. and Meuter, M. L. (2005) Self-service technology adoption: Comparing three technologies. Journal of Services Marketing 19(2): 103-113.
    • (2005) Journal of Services Marketing , vol.19 , Issue.2 , pp. 103-113
    • Curran, J.M.1    Meuter, M.L.2
  • 55
    • 46249126448 scopus 로고    scopus 로고
    • Turkish State Institute of Statistics
    • Turkish State Institute of Statistics. (2007) Household ICT Survey, 2007. http://www.turkstat.gov.tr/ PreHaberBultenleri.do?id=605.
    • (2007) Household ICT Survey, 2007
  • 56
    • 46249095824 scopus 로고    scopus 로고
    • Turkish State Institute of Statistics
    • Turkish State Institute of Statistics. (2000) Population Size, 1927-2000. http://www.turkstat.gov.tr/VeriBilgi.do.
    • (2000) Population Size, 1927-2000


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.