The inhibitory factors of implementing internet banks

International Journal of Electronic Finance

Volumn 2, Issue 4, 2008, Pages 419-432

  Hung, Yu Chung ^a   Lu, Yu Hsin ^a  

^a NATIONAL CHUNG CHENG UNIVERSITY   (Taiwan)

Author keywords

E finance; Electronic finance; Inhibitory factors; Innovation adoption; Internet banks; SEM; Structural equation modelling

Indexed keywords

EID: 77957680980     PISSN: 17460069     EISSN: 17460077     Source Type: Journal    
DOI: 10.1504/IJEF.2008.021803     Document Type: Article

References (42)

1. Anderson, J.C. and Gerbing, D.W. (1988) 'Structural equation modeling in practice: A review and recommended two-step approach', Psychological Bulletin, Vol. 103, No. 3, pp.411-423.
2. Bagozzi, R.P. and Yi, Y. (1988) 'On the evaluation for structural equation models', Journal of the Academy of Marketing Science, Vol. 16, No. 1, pp.74-94.
3. Bentler, P.M. (1995) EQS Structural Equations Program Manual, Encino, CA: Multivariate Software, Inc.
4. Financial Supervisory Commission, Executive Yuan of Taiwan (2006) http://www.banking.gov.tw/lp.asp?ctNode=1846 & CtUnit=499 & BaseDSD=7 (retrieved 12 November 2006).
5. Flanagin, A.J. (2000) 'Social pressures on organizational website adoption', Human Communication Research, Vol. 26, No. 4, pp.618-646.
6. Forrester Research (2006) 'Over 60 million Europeans now bank online, rising to 130 million by 2007', Forrester Calculates, http://www.forrester.com/ER/Press/Release/0, 1769, 788, 00.html (retrieved 19 March 2006).
7. Frambach, R.T. and Schillewaert, N. (2002) 'Organizational innovation adoption: A multi-level framework of determinants and opportunities for future research', Journal of Business Research, Vol. 55, No. 2, pp.163-176.
8. Gartner Group (2003) Mid-Market Corporate Banking Hinges on Growth Relationships, Gartner Group.
9. Gatignon, H. and Robertson, T.S. (1989) 'Technology diffusion: An empirical test of competitive effects', Journal of Marketing, Vol. 53, No. 1, pp.35-49.
10. Gerrard, P., Cunningham, J.B. and Devlin, J.F. (2006) 'Why customers are not using internet banking: A qualitative study', The Journal of Services Marketing, Vol. 20, No. 3, pp.160-168.
11. Gopalakrishnan, S., Wischnevsky, J.D. and Damanpour, F. (2003) 'A multilevel analysis of factors influencing the adoption of internet banking', IEEE Transactions on Engineering Management, Vol. 50, No. 4, pp.413-426.
12. Gordon, J. (1997) 'Cashing in on the internet: Assessing the future of on-line banking', Asiamoney, Vol. 7, No. 46, p.10.
13. Grover, V., Goslar, M. and Segars, A. (1995) 'Adopters of telecommunications initiatives: A profile of progressive U.S. corporations', International Journal of Information Management, Vol. 15, No. 1, pp.33-46.
14. Grover, V. and Goslar, M.D. (1993) 'The initiation, adoption, and implementation of telecommunications technologies in U.S. organization', Journal of Management Information System, Vol. 10, No. 1, pp.141-163.
15. Hall, S.D., Whitmire, R.E. and Leon, K.E. (1999) 'Using internet for retail access: Banks found lagging', Journal of Retail Banking Services, Vol. 21, No. 1, pp.51-55.
16. Hwang, H., Chen, R. and Lee, J. (2007) 'Measuring customer satisfaction with internet banking: An exploratory study', Int. J. Electronic Finance, Vol. 1, No. 3, pp.321-335.
17. Irwin, B., Zaheeda, C., Douglas, D. and Shaun, S. (2003) 'Cell phone banking: Predictors of adoption in South Africa - an exploratory study', International Journal of Information Management, Vol. 23, No. 5, pp.381-394.
18. Janssens, M., Brett, J.M. and Smith, F.J. (1995) 'Confirmatory cross-cultural research: Testing the viability of a corporation-wide safety policy', Academy of Management Journal, Vol. 38, No. 2, pp.364-382.
19. Jaruwachirathanakul, B. and Fink, D. (2005) 'Internet banking adoption strategies for a developing country: The case of Thailand', Internet Research, Vol. 15, No. 3, pp.295-311.
20. Kaiser, H.F. (1958) 'The varimax criterion for analysis rotation in factor analysis', Psychometrika, Vol. 23, No. 3, pp.187-200.
21. Khalfan, A.M. and Alshawaf, A. (2004) 'Adoption and implementation problems of e-banking: A study of the managerial perspective of the bank industry in Oman', Journal of Global Information Technology Management, Vol. 7, No. 1, pp.47-64.
22. Kuo, F., Tseng, F. and Liou, D. (2007) 'Understanding the effects of relationships on the intention of a firm to adopt e-banking', Int. J. Electronic Finance, Vol. 1, No. 4, pp.484-501.
23. Lai, V.S. (1997) 'Critical factors of ISDN implementation: An empirical study', Information & Management, Vol. 33, No. 2, pp.87-97.
24. Lawshe, C.H. (1975) 'A quantitative approach to content validity', Personnel Psychology, Vol. 28, No. 4, pp.563-575.
25. Liu, C. (2008) 'The relationship between digital capital of internet banking and business performance', Int. J. Electronic Finance, Vol. 2, No. 1, pp.18-30.
26. Nunnally, J.C. and Bernstein, I.H. (1994) Psychometric Theory, 3rd ed., New York: McGraw-Hill.
27. O'Callaghan, R., Kaufmann, P.J. and Konsynski, B.R. (1992) 'Adoption correlates and share effects of electronic date interchange systems in marketing channels', Journal of Marketing, Vol. 56, No. 2, pp.45-56.
28. Patricia, A.E., Magal, S.R. and Douglas, E.M. (1998) 'Determinants of information center success', Journal of Management Information System, Vol. 15, No. 2, pp.95-117.
29. Premkumar, G. and Margaret, R. (1999) 'Adoption of new information technologies in rural small businesses', Omega, Vol. 27, No. 4, pp.467-484.
30. Premkumar, G., Ramamurthy, K. and Nilaknta, S. (1994) 'Implementation of electronic data interchange', Journal of Management Information System, Vol. 11, No. 2, pp.157-186.
31. Rigdon, S.M. (1996) 'Abortion law and practice in China: An overview with comparisons to the United States', Social Science & Medicine, Vol. 42, No. 4, pp.543-545.
32. Rogers, E.M. (1995) Diffusion of Innovations, 4th ed., New York: The Free Press.
33. Rrambach, R.T., Barkema, H.G., Nooteboom, B. and Wedel, M. (1998) 'Adoption of a service innovation in the business market: An empirical test of supply-side variables', Journal of Business Research, Vol. 41, No. 2, pp.161-174.
34. Smith, A. (2006) 'Exploring security and comfort issues associated with online banking', Int. J. Electronic Finance, Vol. 1, No. 1, pp.18-48.
35. Steiger, J.H. (1989) EZPATH: A Supplementary Module for SYSTAT and SYSGRAPH, Evanston, IL: SYSTAT.
36. Sullivan, R.J. (2000) How Has the Adoption of Internet Banking Affected Performance and Risk in Banks? A Look at Internet Banking in the Tenth Federal Reserve District in Financial Industry Perspectives, Kansas City, MO: Federal Reserve Bank of Kansas City, December, pp.1-16.
37. Tan, M. and Teo, T.S.H. (2000) 'Factors influencing the adoption of internet banking', Journal of Association for Information Systems, Vol. 1, pp.1-44.
38. Terho, U. (1996) 'Fed-supported virtual bank open for business', Computerworld, Vol. 30, No. 27, p.61.
39. Thong, J.Y.L. (1999) 'An integrated model of implementation systems adoption in small businesses', Journal of Management Information Systems, Vol. 15, No. 4, pp.187-214.
40. Thong, J.Y.L. and Yap, C.S. (1995) 'CEO characteristics, organizational characteristics and information technology adoption in small businesses', Omega, Vol. 23, No. 4, pp.429-442.
41. White, H. and Nteli, F. (2004) 'Internet banking in the UK: why are there not more customers?', Journal of Financial Services Marketing, Vol. 9, No. 1, pp.49-56.
42. Yang, J., Whitefield, M. and Boehme, K. (2007) 'New issues and challenges facing e-banking in rural areas: An empirical study', Int. J. Electronic Finance, Vol. 1, No. 3, pp.336-354.