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Adoption of e-banking technology: Basis of creating network infrastructure and marketing strategies in region 3

Author

Listed:
  • Bernandino P. Malang, DBA
  • Ferdinand C. Somido, PhD
  • Susana C. Bautista, EdD
  • Pedrito Jose V. Bermudo, PhD
  • Antonio D.Yango, PhD
  • Leomar S. Galicia, PhD

Abstract

The main goal of this descriptive-correlational study was to assess different factors involved towards adoption of e-banking technology among consumers in different provinces in region 3 of the Philippines as a basis for creating network infrastructure andmarketing strategies to help the families or individuals to go e-banking technologies. The results of the analysis showed that the regression model (consisting of technological, organizational, and environmental factors) does not significantly predictthe respondents’ perception on e-banking services’ reliability, convenience, speed, safetyand security, user-friendliness, cost-effectiveness, error-freeness. Additionally, therespondents considered two of the nine given scenarios as challenges in their adoption of e-banking technologies: (1) their fear about the possible occurrence of electronic crimes and (2) the customers’ preference for face-to-face banking. The improvement of Internet connection and the conduct of trainings ororientation regarding e-banking services by banking institutions are recommended by theresearcher in addition to the proposed network infrastructure and marketing strategies to be considered by the bank to be able to educate customers in adopting e-banking technology.

Suggested Citation

  • Bernandino P. Malang, DBA & Ferdinand C. Somido, PhD & Susana C. Bautista, EdD & Pedrito Jose V. Bermudo, PhD & Antonio D.Yango, PhD & Leomar S. Galicia, PhD, 2018. "Adoption of e-banking technology: Basis of creating network infrastructure and marketing strategies in region 3," Journal of Business & Management (COES&RJ-JBM), , vol. 6(1), pages 23-45, January.
    • Handle: RePEc:jso:coejbm:v:6:y:2018:i:1:p:23-45
    DOI: 10.25255/jbm.2018.6.1.23.45
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    References listed on IDEAS

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    1. Perkins, Ed-Zilla Daniel & Annan, Jonathan, 2013. "Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers," International Journal of Business and Social Research, MIR Center for Socio-Economic Research, vol. 3(6), pages 94-108, June.
    2. Perkins, Ed-Zilla Daniel & Annan, Jonathan, 2013. "Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers," International Journal of Business and Social Research, LAR Center Press, vol. 3(6), pages 94-108, June.
    3. Mei Xue & Lorin M. Hitt & Pei-yu Chen, 2011. "Determinants and Outcomes of Internet Banking Adoption," Management Science, INFORMS, vol. 57(2), pages 291-307, February.
    4. Chaudhuri, Anindya & Flamm, Kenneth S. & Horrigan, John, 0. "An analysis of the determinants of internet access," Telecommunications Policy, Elsevier, vol. 29(9-10), pages 731-755, October.
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