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Consumer attitude and the usage and adoption of home‐based banking in the United Kingdom

Barry Howcroft (Loughborough University Banking Centre, Loughborough University, Loughborough, UK)
Robert Hamilton (Business School, Loughborough University, Loughborough, UK)
Paul Hewer (University of Stirling, Stirling, UK)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 1 June 2002



This paper seeks to develop our understanding of consumer attitudes towards bank delivery channels. Accordingly, a questionnaire was designed to obtain information about which delivery channels consumers had used when acquiring four types of financial service. This information was then contrasted with data on how these consumers would acquire the same services if they had to purchase them again at some time in the future. The questionnaire also obtained information about the factors which consumers believed to be important in encouraging and discouraging the adoption of home‐based banking. In concluding, the paper discusses and assesses some of the strategic implications of the study’s findings for financial service providers.



Howcroft, B., Hamilton, R. and Hewer, P. (2002), "Consumer attitude and the usage and adoption of home‐based banking in the United Kingdom", International Journal of Bank Marketing, Vol. 20 No. 3, pp. 111-121.




Copyright © 2002, MCB UP Limited

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