Consumer attitudes to information technology in banking

摘要

This study reports the results of a survey into consumer attitudes to the use of information technology in retail banking, conducted jointly by the Bank of Scotland and the Department of Information Science, Strathclyde University. The Bank of Scotland's involvement in the lEE's Faraday Lectures was used as the vehicle for the study. Results suggest that while technology and other factors have fundamentally altered the market for financial services, consumer understanding of the ways in which technology can transform the means by which services can be offered has not kept pace with the rate of technological change. Traditional patterns of payment will continue to dominate, unless consumers can be convinced that new systems offer substantial advantages over more familiar forms of payment.