메뉴 건너뛰기




Volumn 30, Issue 1, 2012, Pages 20-42

Adopters and non-adopters of internet banking: A segmentation study

Author keywords

Adoption and resistance behaviour; Consumer behaviour; Greece; Internet banking; Market segmentation; Segmentation

Indexed keywords


EID: 84856390194     PISSN: 02652323     EISSN: None     Source Type: Journal    
DOI: 10.1108/02652321211195686     Document Type: Article
Times cited : (58)

References (51)
  • 1
    • 33745440109 scopus 로고    scopus 로고
    • Market segmentation in the Indonesian banking sector: The relationship between demographics and desired customer benefits
    • Alfansi, L. and Sargeant, A. (2000), "Market segmentation in the Indonesian banking sector: the relationship between demographics and desired customer benefits" in International Journal of Bank Marketing, Vol. 18, No. 2, pp. 64-74.
    • (2000) International Journal of Bank Marketing , vol.18 , Issue.2 , pp. 64-74
    • Alfansi, L.1    Sargeant, A.2
  • 2
    • 0001811958 scopus 로고
    • Market segmentation: A review
    • Beane, T.P. and Ennis, D.M. (1987), "Market segmentation: a review" in European Journal of Marketing, Vol. 21, No. 5, pp. 20-42.
    • (1987) European Journal of Marketing , vol.21 , Issue.5 , pp. 20-42
    • Beane, T.P.1    Ennis, D.M.2
  • 4
    • 0036400813 scopus 로고    scopus 로고
    • Technology and the customer interface: What consumers want in the physical and virtual store
    • Burke, R.R. (2002), "Technology and the customer interface: what consumers want in the physical and virtual store" in Journal of the Academy of Marketing Science, Vol. 30, No. 4, pp. 411-32.
    • (2002) Journal of the Academy of Marketing Science , vol.30 , Issue.4 , pp. 411-432
    • Burke, R.R.1
  • 5
    • 30244439496 scopus 로고    scopus 로고
    • Examination of brand knowledge, perceived risk and consumers' intention to adopt an online retailer
    • Chen, R. and He, F. (2003), "Examination of brand knowledge, perceived risk and consumers' intention to adopt an online retailer" in TQM & Business Excellence, Vol. 14, No. 6, pp. 677-93.
    • (2003) TQM & Business Excellence , vol.14 , Issue.6 , pp. 677-693
    • Chen, R.1    He, F.2
  • 6
    • 0040217653 scopus 로고    scopus 로고
    • Trust in internet shopping: Instrument development and validation through classical and modern approaches
    • Cheung, C.M.K. and Lee, M.K.O. (2001), "Trust in internet shopping: instrument development and validation through classical and modern approaches" in Journal of Global Information Management, Vol. 9, No. 3, pp. 23-35.
    • (2001) Journal of Global Information Management , vol.9 , Issue.3 , pp. 23-35
    • Cheung, C.M.K.1    Lee, M.K.O.2
  • 7
    • 0001878819 scopus 로고
    • A paradigm for developing better measures of marketing constructs
    • Churchill, G.A. (1979), "A paradigm for developing better measures of marketing constructs" in Journal of Marketing Research, Vol. 16, No. 1, pp. 64-73.
    • (1979) Journal of Marketing Research , vol.16 , Issue.1 , pp. 64-73
    • Churchill, G.A.1
  • 9
    • 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" in Journal of Services Marketing, Vol. 19, No. 2, pp. 103-13.
    • (2005) Journal of Services Marketing , vol.19 , Issue.2 , pp. 103-113
    • Curran, J.M.1    Meuter, M.L.2
  • 10
    • 55249087535 scopus 로고
    • Perceived usefulness, perceived ease of use, and user acceptance of information technology
    • Davis, F.D. (1989), "Perceived usefulness, perceived ease of use, and user acceptance of information technology" in MIS Quarterly, Vol. 13, No. 3, pp. 319-40.
    • (1989) MIS Quarterly , vol.13 , Issue.3 , pp. 319-340
    • Davis, F.D.1
  • 11
    • 84991149383 scopus 로고
    • Extrinsic and intrinsic motivation to use computers in the workplace
    • Davis, F.D., Bagozzi, R.P. and Warshaw, P.R. (1992), "Extrinsic and intrinsic motivation to use computers in the workplace" in Journal of Applied Social Psychology, Vol. 22, No. 14, pp. 1109-30.
    • (1992) Journal of Applied Social Psychology , vol.22 , Issue.14 , pp. 1109-1130
    • Davis, F.D.1    Bagozzi, R.P.2    Warshaw, P.R.3
  • 13
    • 51249172647 scopus 로고
    • Resistance to technological innovations: An examination of the role of self-efficacy and performance satisfaction
    • Ellen, P.S., Bearden, W.O. and Sharma, S. (1991), "Resistance to technological innovations: an examination of the role of self-efficacy and performance satisfaction" in Journal of the Academy of Marketing Science, Vol. 19, No. 4, pp. 297-307.
    • (1991) Journal of the Academy of Marketing Science , vol.19 , Issue.4 , pp. 297-307
    • Ellen, P.S.1    Bearden, W.O.2    Sharma, S.3
  • 14
    • 0000418290 scopus 로고
    • Technology diffusion: An empirical test of competitive effects
    • Gatignon, H. and Robertson, T.S. (1989), "Technology diffusion: an empirical test of competitive effects" in Journal of Marketing, Vol. 53, No. 1, pp. 35-49.
    • (1989) Journal of Marketing , vol.53 , Issue.1 , pp. 35-49
    • Gatignon, H.1    Robertson, T.S.2
  • 15
    • 84986047311 scopus 로고    scopus 로고
    • The diffusion of internet banking among Singapore consumers
    • Gerrard, P. and Cunningham, J.B. (2003), "The diffusion of internet banking among Singapore consumers" in International Journal of Bank Marketing, Vol. 21, No. 1, pp. 16-28.
    • (2003) International Journal of Bank Marketing , vol.21 , Issue.1 , pp. 16-28
    • Gerrard, P.1    Cunningham, J.B.2
  • 16
    • 33745207326 scopus 로고    scopus 로고
    • Why consumers are not using internet banking: A qualitative study
    • Gerrard, P., Cunningham, J.B. and Devlin, J.F. (2006), "Why consumers are not using internet banking: a qualitative study" in Journal of Services Marketing, Vol. 20, No. 3, pp. 160-8.
    • (2006) Journal of Services Marketing , vol.20 , Issue.3 , pp. 160-168
    • Gerrard, P.1    Cunningham, J.B.2    Devlin, J.F.3
  • 19
    • 0010877119 scopus 로고
    • Mapping customer segments for personal financial services
    • Harrison, T. (1994), "Mapping customer segments for personal financial services" in International Journal of Bank Marketing, Vol. 12, No. 8, pp. 17-25.
    • (1994) International Journal of Bank Marketing , vol.12 , Issue.8 , pp. 17-25
    • Harrison, T.1
  • 20
    • 31644446726 scopus 로고    scopus 로고
    • New channels/old channels - customer management and multi-channels
    • Hughes, T. (2006), "New channels/old channels - customer management and multi-channels" in European Journal of Marketing, Vol. 40, Nos 1/2, pp. 113-29.
    • (2006) European Journal of Marketing , vol.40 , Issue.1-2 , pp. 113-129
    • Hughes, T.1
  • 22
    • 22944480939 scopus 로고    scopus 로고
    • The e-literature: A framework for understanding the accumulated knowledge about internet marketing
    • available at (accessed 13 January 2011)
    • Kimiloglou, H. (2004), "The e-literature: a framework for understanding the accumulated knowledge about internet marketing" in Academy of Marketing Science Review, Vol. 8, No. 6, pp. 1-36, available at: www.amsreview.org/articles/kimiloglu06-2004.pdf (accessed 13 January 2011).
    • (2004) Academy of Marketing Science Review , vol.8 , Issue.6 , pp. 1-36
    • Kimiloglou, H.1
  • 23
    • 0003902676 scopus 로고    scopus 로고
    • Prentice Hall, Englewood Cliffs, NJ
    • Kotler, P. (2000), Marketing Management, Prentice Hall, Englewood Cliffs, NJ.
    • (2000) Marketing Management
    • Kotler, P.1
  • 24
    • 18844363978 scopus 로고    scopus 로고
    • The relationship between consumer innovativeness, personal characteristics, and online banking adoption
    • Lassar, W.M., Manolis, C. and Lassar, S. (2005), "The relationship between consumer innovativeness, personal characteristics, and online banking adoption" in International Journal of Bank Marketing, Vol. 23, No. 2, pp. 176-99.
    • (2005) International Journal of Bank Marketing , vol.23 , Issue.2 , pp. 176-199
    • Lassar, W.M.1    Manolis, C.2    Lassar, S.3
  • 25
    • 84978024629 scopus 로고    scopus 로고
    • Consumer resistance to internet banking: Postponers, opponents and rejectors
    • Laukkanen, P., Sinkkonen, S. and Laukkanen, T. (2008), "Consumer resistance to internet banking: postponers, opponents and rejectors" in International Journal of Bank Marketing, Vol. 26, No. 6, pp. 440-55.
    • (2008) International Journal of Bank Marketing , vol.26 , Issue.6 , pp. 440-455
    • Laukkanen, P.1    Sinkkonen, S.2    Laukkanen, T.3
  • 26
    • 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" in International Journal of Bank Marketing, Vol. 23, No. 5, pp. 414-37.
    • (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
  • 27
    • 85009093060 scopus 로고    scopus 로고
    • The adoption of direct banking services
    • Lockett, A. and Littler, D. (1997), "The adoption of direct banking services" in Journal of Marketing Management, Vol. 13, No. 8, pp. 791-811.
    • (1997) Journal of Marketing Management , vol.13 , Issue.8 , pp. 791-811
    • Lockett, A.1    Littler, D.2
  • 29
    • 0040669518 scopus 로고    scopus 로고
    • Measures of perceived interactivity: An exploration of the role of direction of communication, user control, and time in shaping perceptions of interactivity
    • McMillan, S.J. and Hwang, J.-S. (2002), "Measures of perceived interactivity: an exploration of the role of direction of communication, user control, and time in shaping perceptions of interactivity" in Journal of Advertising, Vol. 31, No. 3, pp. 29-42.
    • (2002) Journal of Advertising , vol.31 , Issue.3 , pp. 29-42
    • McMillan, S.J.1    Hwang, J.-S.2
  • 30
    • 84986170607 scopus 로고    scopus 로고
    • Segmentation of bank customers by expected benefits and attitudes
    • Machauer, A. and Morgner, S. (2001), "Segmentation of bank customers by expected benefits and attitudes" in International Journal of Bank Marketing, Vol. 19, No. 1, pp. 6-17.
    • (2001) International Journal of Bank Marketing , vol.19 , Issue.1 , pp. 6-17
    • Machauer, A.1    Morgner, S.2
  • 32
    • 84986132041 scopus 로고    scopus 로고
    • Benefit segmentation by factor analysis: An improved method of targeting customers for financial services
    • Minhas, R.S. and Jacobs, E.M. (1996), "Benefit segmentation by factor analysis: an improved method of targeting customers for financial services" in International Journal of Bank Marketing, Vol. 14, No. 3, pp. 3-13.
    • (1996) International Journal of Bank Marketing , vol.14 , Issue.3 , pp. 3-13
    • Minhas, R.S.1    Jacobs, E.M.2
  • 33
    • 23344442642 scopus 로고    scopus 로고
    • Buying cars online: The adoption of the web for high-involvement, high-cost purchases
    • Molesworth, M. and Suortti, J.-P. (2001), "Buying cars online: the adoption of the web for high-involvement, high-cost purchases" in Journal of Consumer Behaviour, Vol. 2, No. 2, pp. 155-68.
    • (2001) Journal of Consumer Behaviour , vol.2 , Issue.2 , pp. 155-168
    • Molesworth, M.1    Suortti, J.-P.2
  • 35
    • 73449149291 scopus 로고
    • Development of an instrument to measure the perceptions of adopting an information technology innovation
    • Moore, G.C. and Benbasat, I. (1991), "Development of an instrument to measure the perceptions of adopting an information technology innovation" in Information Systems Research, Vol. 2, No. 3, pp. 192-222.
    • (1991) Information Systems Research , vol.2 , Issue.3 , pp. 192-222
    • Moore, G.C.1    Benbasat, I.2
  • 36
    • 22144490887 scopus 로고    scopus 로고
    • Intentions to use mobile services: Antecedents and cross-service comparisons
    • Nysveen, H., Pedersen, P.E. and Thorbjornsen, H. (2005), "Intentions to use mobile services: antecedents and cross-service comparisons" in Journal of the Academy of Marketing Science, Vol. 33, No. 3, pp. 330-46.
    • (2005) Journal of the Academy of Marketing Science , vol.33 , Issue.3 , pp. 330-346
    • Nysveen, H.1    Pedersen, P.E.2    Thorbjornsen, H.3
  • 37
    • 68549133237 scopus 로고    scopus 로고
    • Exploring the adoption of a service innovation: A study of internet banking adopters and non-adopters
    • Ozdemir, S. and Trott, P. (2009), "Exploring the adoption of a service innovation: a study of internet banking adopters and non-adopters" in Journal of Financial Services Marketing, Vol. 13, No. 4, pp. 284-99.
    • (2009) Journal of Financial Services Marketing , vol.13 , Issue.4 , pp. 284-299
    • Ozdemir, S.1    Trott, P.2
  • 38
    • 0001786531 scopus 로고
    • Consumer resistance to innovations: The marketing problem and its solutions
    • Ram, S. and Sheth, R. (1989), "Consumer resistance to innovations: the marketing problem and its solutions" in Journal of Consumer Marketing, Vol. 6, No. 2, pp. 5-14.
    • (1989) Journal of Consumer Marketing , vol.6 , Issue.2 , pp. 5-14
    • Ram, S.1    Sheth, R.2
  • 40
    • 84993077279 scopus 로고    scopus 로고
    • Adoption of internet banking by Australian consumers: An empirical investigation
    • Sathye, M. (1999), "Adoption of internet banking by Australian consumers: an empirical investigation" in International Journal of Bank Marketing, Vol. 17, No. 7, pp. 324-34.
    • (1999) International Journal of Bank Marketing , vol.17 , Issue.7 , pp. 324-334
    • Sathye, M.1
  • 42
    • 0001602457 scopus 로고
    • Psychology of innovation resistance: The less developed concept (LDC) in diffusion research
    • Sheth, J.N. (Ed.), JAI Press, Greenwich, CT
    • Sheth, J.N. (1981), "Psychology of innovation resistance: the less developed concept (LDC) in diffusion research" in Sheth, J.N. (Ed.), Research in Marketing, Vol. 4, JAI Press, Greenwich, CT, pp. 273-82.
    • (1981) Research in Marketing , vol.4 , pp. 273-282
    • Sheth, J.N.1
  • 43
    • 84979055760 scopus 로고    scopus 로고
    • Demographic discriminators of service quality in the banking industry
    • Stafford, M.R. (1996), "Demographic discriminators of service quality in the banking industry" in Journal of Services Marketing, Vol. 10, No. 4, pp. 6-22.
    • (1996) Journal of Services Marketing , vol.10 , Issue.4 , pp. 6-22
    • Stafford, M.R.1
  • 44
    • 0032333204 scopus 로고    scopus 로고
    • Analysis of EDI resistance behaviour
    • Suzuki, Y. and Williams, L.R. (1998), "Analysis of EDI resistance behaviour" in Transportation Journal, Vol. 37, No. 4, pp. 36-44.
    • (1998) Transportation Journal , vol.37 , Issue.4 , pp. 36-44
    • Suzuki, Y.1    Williams, L.R.2
  • 46
    • 33745825541 scopus 로고    scopus 로고
    • Why consumers use and do not use technology-enabled services
    • Walker, R.H. and Johnson, L.W. (2006), "Why consumers use and do not use technology-enabled services" in Journal of Services Marketing, Vol. 20, No. 2, pp. 125-35.
    • (2006) Journal of Services Marketing , vol.20 , Issue.2 , pp. 125-135
    • Walker, R.H.1    Johnson, L.W.2
  • 48
    • 34249685463 scopus 로고    scopus 로고
    • Causes and consequences of emotions on consumer behaviour - a review and integrative cognitive appraisal theory
    • Watson, L. and Spence, M.T. (2007), "Causes and consequences of emotions on consumer behaviour - a review and integrative cognitive appraisal theory" in European Journal of Marketing, Vol. 41, Nos 5/6, pp. 487-511.
    • (2007) European Journal of Marketing , vol.41 , Issue.5-6 , pp. 487-511
    • Watson, L.1    Spence, M.T.2
  • 49
    • 33746369740 scopus 로고    scopus 로고
    • From fear to loathing? How emotion influences the evaluation and early use of innovations
    • Wood, S.L. and Moreau, C.P. (2006), "From fear to loathing? How emotion influences the evaluation and early use of innovations" in Journal of Marketing, Vol. 70, No. 3, pp. 44-57.
    • (2006) Journal of Marketing , vol.70 , Issue.3 , pp. 44-57
    • Wood, S.L.1    Moreau, C.P.2
  • 50
    • 20444435148 scopus 로고    scopus 로고
    • Understanding product migration to the electronic marketplace: A conceptual framework
    • Yadav, M.S. and Varadarajan, R.R. (2005a), "Understanding product migration to the electronic marketplace: a conceptual framework" in Journal of Retailing, Vol. 81, No. 2, pp. 125-40.
    • (2005) Journal of Retailing , vol.81 , Issue.2 , pp. 125-140
    • Yadav, M.S.1    Varadarajan, R.R.2
  • 51
    • 28644433987 scopus 로고    scopus 로고
    • Interactivity in the electronic marketplace: An exposition of the concept and implications for research
    • Yadav, M.S. and Varadarajan, R.R. (2005b), "Interactivity in the electronic marketplace: an exposition of the concept and implications for research" in Journal of the Academy of Marketing Science, Vol. 33, No. 4, pp. 585-603.
    • (2005) Journal of the Academy of Marketing Science , vol.33 , Issue.4 , pp. 585-603
    • Yadav, M.S.1    Varadarajan, R.R.2


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.