Year: 2019
Type: article
Study design: Observational Study
Abstract: Non-adopters of internet banking is not a homogenous group.In this study, non-adopters are divided into two groups: prospective adopters and persistent nonadopters.The aim of this paper is to analyse how the two non-adopter groups differ with regard to usage, image, tradition, risk and value barriers.Factor analysis is used to categorize the data into five barriers.Independent samples t-tests are used to reveal the differences between prospective adopters and persistent non-adopters of internet banking.The results of this study reveal that persistent non-adopters show more resistance to internet banking in relation to usage, image, tradition, risk and value barriers.The p-values indicate that the value barrier differentiates the groups the most, followed by usage, image, risk and tradition barriers.The results highlight the fact that psychological barriers are a greater cause of resistance than functional barriers.
Author: Berna Serener
Institution: European University of Lefke
Language: English
Subfield: Information Systems and Management
Field: Decision Sciences
Domain: Social Sciences
Open Access status: diamond
OpenAlex ID: W2944109447