Online banking: a field study of drivers, development challenges, and expectations

摘要

Online banking is the newest and least understood delivery channel for retail banking services. Yet, few, if any, studies were reported quantifying the issues relevant to this cutting-edge technology. This paper reports the results of a quantitative study of the perceptions of banks’ executive and IT managers and potential customers with regard to the drivers, development challenges, and expectations of online banking. The findings will be useful for both researchers and practitioners who seek to understand the issues relevant to online banking.