Factors influencing the adoption of Internet banking
Journal of the AIS
Applied Survival Analysis: Regression Modeling of Time to Event Data
Applied Survival Analysis: Regression Modeling of Time to Event Data
An Evaluation of Internet Banking in New Zealand
HICSS '02 Proceedings of the 35th Annual Hawaii International Conference on System Sciences (HICSS'02)-Volume 7 - Volume 7
European Journal of Information Systems - Managing e-business transformation
Customer Efficiency, Channel Usage, and Firm Performance in Retail Banking
Manufacturing & Service Operations Management
An Introduction to Survival Analysis Using Stata
An Introduction to Survival Analysis Using Stata
Ushering Buyers into Electronic Channels: An Empirical Analysis
Information Systems Research
Adoption of online banking features by financial intermediaries
International Journal of Electronic Finance
Banks and information technology: marketability vs. relationships
Electronic Commerce Research
A systematic review of Internet banking adoption
Telematics and Informatics
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This paper examines the drivers of adoption of Internet banking and the linkages among adoption drivers and outcomes (product acquisition, service activity, profitability, loyalty). We relate Internet banking adoption to customer demand for banking services, the availability of alternative channels, customers' efficiency in service coproduction (“customer efficiency”), and local Internet banking penetration. We find that customers who have greater transaction demand and higher efficiency, and reside in areas with a greater density of online banking adopters, are faster to adopt online banking after controlling for time, regional, and individual characteristics. Consistent with prior work, we find that customers significantly increase their banking activity, acquire more products, and perform more transactions. These changes in behavior are not associated with short-run increases in customer profitability, but customers who adopt online banking have a lower propensity to leave the bank. Building on these observations we also find that the adoption drivers are linked to the postadoption changes in behavior or profitability. Customers who live in areas with a high branch density or high Internet banking penetration increase their product acquisition and transaction activity more than Internet banking adopters in other regions. Efficient customers and those with high service demand show greater postadoption profitability. This paper was accepted by Sandra Slaughter, information systems.