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Internet banking versus other banking channels: Young consumers’ view

Author

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  • Calisir, Fethi
  • Gumussoy, Cigdem Altin

Abstract

Financial institutions offer new banking channels to their customers, as technology adds new dimensions to the classic banking systems. One of the most popular self-service banking technologies is Internet banking. This study examines how young consumers perceive Internet banking in relation to other six banking channels (brick and mortar, automated teller machine (ATM), phone banking, wireless application protocol (WAP), electronic fund transfer at point of sale (EFTPOS), and bank branches in stores). Correspondence analysis and cluster analysis revealed the banking channels that are close with Internet banking. The results indicate that Internet banking, ATM, and phone banking substitute each other. The results also show that Internet banking is considered to be efficient for ease of use and access, and that the users of Internet banking lack confidence in the security of the web sites of Internet banking. The article concludes with a discussion of implications, limitations, and directions for future research.

Suggested Citation

  • Calisir, Fethi & Gumussoy, Cigdem Altin, 2008. "Internet banking versus other banking channels: Young consumers’ view," International Journal of Information Management, Elsevier, vol. 28(3), pages 215-221.
    • Handle: RePEc:eee:ininma:v:28:y:2008:i:3:p:215-221
    DOI: 10.1016/j.ijinfomgt.2008.02.009
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    Citations

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    Cited by:

    1. Udo, Godwin J. & Bagchi, Kallol K. & Kirs, Peeter J., 2010. "An assessment of customers’ e-service quality perception, satisfaction and intention," International Journal of Information Management, Elsevier, vol. 30(6), pages 481-492.
    2. Nisha Mary Thomas, 2023. "Modeling key enablers influencing FinTechs offering SME credit services: A multi-stakeholder perspective," Electronic Markets, Springer;IIM University of St. Gallen, vol. 33(1), pages 1-27, December.
    3. S, Sreejesh, 2024. "Integrated banking channel service quality (IBCSQ): Role of IBCSQ for building consumers' relationship quality and brand equity," Journal of Retailing and Consumer Services, Elsevier, vol. 76(C).
    4. Faten Baklouti & Fayçal Boukamcha, 2024. "Consumer resistance to internet banking services: implications for the innovation resistance theory," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 364-376, June.
    5. Mohamed Slim Ben Mimoun & Caroline Lancelot Miltgen & Boulbeba Slama, 2022. "Is the shopper always the king/queen? Study of omnichannel retail technology use and shopping orientations," Post-Print hal-03519230, HAL.
    6. Ben Mimoun, Mohamed Slim & Lancelot Miltgen, Caroline & Slama, Boulbeba, 2022. "Is the shopper always the king/queen? Study of omnichannel retail technology use and shopping orientations," Journal of Retailing and Consumer Services, Elsevier, vol. 65(C).
    7. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    8. Baabdullah, Abdullah M. & Alalwan, Ali Abdallah & Rana, Nripendra P. & Kizgin, Hatice & Patil, Pushp, 2019. "Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model," International Journal of Information Management, Elsevier, vol. 44(C), pages 38-52.

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