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Communication strategies to overcome functional and psychological resistance to Internet banking

Author

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  • Laukkanen, Tommi
  • Sinkkonen, Suvi
  • Laukkanen, Pekka

Abstract

This paper aims to investigate how customers experiencing different kinds of resistance to Internet banking perceive the information and guidance offered by the service provider. A postal survey was conducted and 251 effective responses from Internet banking non-users were received. Based on the earlier literature a typology of consumer resistance to innovations is proposed and four resistance segments, namely Non-Resistors, Functional Resistors, Psychological Resistors and Dual Resistors are identified. The results show that those customers reporting both functional and psychological resistance to Internet banking are more dissatisfied with the information and guidance offered by the service provider compared to those with only psychological resistance or no resistance to the innovation. Communication strategies to reduce and overcome different kinds of resistance to Internet banking are proposed.

Suggested Citation

  • Laukkanen, Tommi & Sinkkonen, Suvi & Laukkanen, Pekka, 2009. "Communication strategies to overcome functional and psychological resistance to Internet banking," International Journal of Information Management, Elsevier, vol. 29(2), pages 111-118.
    • Handle: RePEc:eee:ininma:v:29:y:2009:i:2:p:111-118
    DOI: 10.1016/j.ijinfomgt.2008.05.008
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    Cited by:

    1. Heidenreich, Sven & Killmer, Jan F. & Millemann, Jan A., 2022. "If at first you don't adopt - Investigating determinants of new product leapfrogging behavior," Technological Forecasting and Social Change, Elsevier, vol. 176(C).
    2. Hew, Jun-Jie & Lee, Voon-Hsien & Leong, Lai-Ying, 2023. "Why do mobile consumers resist mobile commerce applications? A hybrid fsQCA-ANN analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 75(C).
    3. Supreet Sandhu & Sangeeta Arora, 2022. "Customers' usage behaviour of e‐banking services: Interplay of electronic banking and traditional banking," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 27(2), pages 2169-2181, April.
    4. Qingyu Zhang & Salman Khan & Safeer Ullah Khan & Ikram Ullah Khan & Shafaqat Mehmood, 2024. "Tourist Motivations to Adopt Sustainable Smart Hospitality: An Innovation Resistance Theory Perspective," Sustainability, MDPI, vol. 16(13), pages 1-18, June.
    5. Sham, Rohana & Chong, Han Xi & Cheng-Xi Aw, Eugene & Bibi Tkm Thangal, Thahira & Abdamia, Noranita binti, 2023. "Switching up the delivery game: Understanding switching intention to retail drone delivery services," Journal of Retailing and Consumer Services, Elsevier, vol. 75(C).
    6. Ye Sang & Heeseung Yu & Eunkyoung Han, 2022. "Understanding the Barriers to Consumer Purchasing of Zero-Waste Products," Sustainability, MDPI, vol. 14(24), pages 1-20, December.
    7. Yixi Xue & Xiaoyan Zhang & Yi Zhang & Exiang Luo, 2024. "Understanding the Barriers to Consumer Purchasing of Electric Vehicles: The Innovation Resistance Theory," Sustainability, MDPI, vol. 16(6), pages 1-19, March.
    8. Malodia, Suresh & Kaur, Puneet & Ractham, Peter & Sakashita, Mototaka & Dhir, Amandeep, 2022. "Why do people avoid and postpone the use of voice assistants for transactional purposes? A perspective from decision avoidance theory," Journal of Business Research, Elsevier, vol. 146(C), pages 605-618.
    9. An Ha Thi Pham & Dong Xuan Pham & Eleftherios I. Thalassinos & Anh Hoang Le, 2022. "The Application of Sem–Neural Network Method to Determine the Factors Affecting the Intention to Use Online Banking Services in Vietnam," Sustainability, MDPI, vol. 14(10), pages 1-20, May.
    10. Nagel, Christian & Heidenreich, Sven & Schumann, Jan H., 2024. "Enhancing Adoption of Sustainable Product Innovations: Addressing Reduced Performance with Risk-Reducing Product Modifications," Journal of Business Research, Elsevier, vol. 179(C).
    11. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P., 2017. "Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust," International Journal of Information Management, Elsevier, vol. 37(3), pages 99-110.
    12. Simarpreet Kaur & Sangeeta Arora, 2023. "Understanding customers’ usage behavior towards online banking services: an integrated risk–benefit framework," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 74-98, March.

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