An exploratory study of length and frequency of internet banking usage
Journal of Theoretical and Applied Electronic Commerce Research
Evaluating mobile banking portals
International Journal of Mobile Communications
Security and usability: the gap in real-world online banking
NSPW '07 Proceedings of the 2007 Workshop on New Security Paradigms
Experience in internet banking and performance of banks
International Journal of Electronic Finance
Determinants and Outcomes of Internet Banking Adoption
Management Science
Factors encouraging the internet banking adoption in Thailand
International Journal of Electronic Finance
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This paper examines how New Zealand banks enhance their retail banking services through the Internet. SevenNZ online banks were studied in terms of their web site's effectiveness, functionalities and Internet strategies. The functionality was examined by evaluating banks' web sites using a tailored electronic commerce model. The effectiveness is surveyed utilising a judgment sample of actual and potential retail Internet banking customers. Main factors that inhibit the adoption of I-banking in NZ are security, doubt about the complication of Internet banking and the ability to bank using other facilities. Other important factors that customers use to judge the performance of retail I-banking services are response time, services free from technical problems and up-to-date information. NZ banks perform extremely well in providing up-to-date information. However, further improvements on security, download time, response time and the ability to provide services free from technical problemsshould be considered in order to satisfy customers' requirements.