Factors affecting internet banking usage behavior: an empirical investigation of Greek customers
Authors: Giovanis, Apostolos 
Binioris, Spyridon 
Tsirintani, Maria 
Novas, Dimitrios 
Issue Date: 1-May-2009
Conference: 2nd International Conference "Quantitative and Qualitative Methodologies in the Economic and Administrative Sciences", 25-27 May 2009, Athens, Greece 
Book: Proceedings of the 2nd International Conference "Quantitative and Qualitative Methodologies in the Economic and Administrative Sciences" 
Abstract: 
This study deals with the factors affecting customers to continue to be users of internet banking. The context of the research framework is based on the extension of the Technology Acceptance Model with concepts from Innovation Diffusion Theory. Theory was developed to identify factors that influence customers’ behavioral intentions and actual usage. The conceptual framework includes latent variables formulating customers’ perception on service’s usefulness, easy of use, risk and compatibility, which are operating as predictors of customers’ behavioral intentions to continue to use internet banking services. Survey was conducted to internet banking customers of a major Greek banking institution to gather data. Partial least square was used to examine pattern of inter-correlations among the six proposed constructs and to test related propositions empirically. Results show that service compatibility is the most important factor shaping customers’ behavioral indentations, followed by TAM constructs and perceive risk. Moreover, TAM and perceived risk constructs are operating as mediators between compatibility and customers’ behavioral intentions, while perceived usefulness mediating the relationship between perceived easy of use and customers behavioral intentions. Finally, theoretical contributions and practical implications of the findings are discussed and suggestions for future research are presented.
ISBN: 978-960-98739-0-1
ISSN: 1791-8499
URI: https://uniwacris.uniwa.gr/handle/3000/2448
Type: Conference Paper
Department: Department of Business Administration 
School: School of Administrative, Economics and Social Sciences 
Affiliation: University of West Attica (UNIWA) 
Appears in Collections:Book Chapter / Κεφάλαιο Βιβλίου

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