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Present and Future of Internet Banking in China

Author

Listed:
  • Yuan, Xina

    (Xiamen University)

  • Seok Lee, Hyung

    (Sahmyook University)

Abstract

This paper has several objectives. First, it illustrates the history and explosive growth of Internet banking services in China. In general, the development of Internet banking services is still in its nascent stages in China, with a considerable quantity of potential customers. Second, we discuss the characteristics of Internet banking in China. We have determined that Chinese Internet banking transactions tend to be comparatively business-related, and that current Internet banking users skew young, highly-educated, and wealthy. Additionally, there is a regional difference in adopting Internet banking. Third, this study discusses the potential market for Internet banking services in China, and three factors that may influence the development of Chinese Internet banking. Finally, we propose two marketing suggestions regarding the expansion of the Chinese Internet banking market.

Suggested Citation

  • Yuan, Xina & Seok Lee, Hyung, 2010. "Present and Future of Internet Banking in China," Journal of Internet Banking and Commerce, , vol. 15(1), pages 01-10, April.
  • Handle: RePEc:ris:joibac:0413
    as

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    More about this item

    Keywords

    Internet banking; Perceived risk; Awareness; Previous experience;
    All these keywords.

    JEL classification:

    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage

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