Consumer Adoption of Online Banking: Does Distance Matter?

Topics:
Commercial Banking
Tags:
Banking,
Consumer Adoption,
E-business/E-Commerce,
Financial Services,
Internet,
Online Banking,
University Of California At Berkeley
Source:
University of California, Berkeley

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Overview: This paper tests whether consumer adoption of online banking is affected by the distance to one's bank branch. During the last decade, rapid diffusion of the Internet has dramatically changed the ways consumers conduct every-day businesses. An important trend in the rapid increase of Internet use among U.S. households is the use of the Internet for accessing financial accounts and paying bills. The paper estimates a logit model for online banking use with household level data from the U.S. for 1998 and 2001. The results suggest that online channels may be viewed as a supplement to other more traditional channels.

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Format: PDF | Size: 191KB | Date: May 2004 | Pages: 37

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