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Factors underlying attitude formation towards online banking in Finland

Heikki Karjaluoto (Department of Marketing, University of Oulu, Oulu, Finland)
Minna Mattila (Department of Marketing, University of Jyväskylä, Jyväskylä, Finland)
Tapio Pento (Department of Marketing, University of Jyväskylä, Jyväskylä, Finland)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 1 November 2002

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Abstract

The study explored the effect of different factors affecting attitude formation towards Internet banking (online banking) in Finland. The purpose of this paper is to determine those factors that influence the formation of attitude towards Internet banking on the one hand, and their relation to the use of online banking services, on the other. To attain these, a large survey (1,167 responses) was carried out during the summer of 2000 in Finland. Attitude formation was studied by the use of a structural equation model. The results are expected to provide both theoretical and practical contributions in the area of electronic retail banking and understanding of consumer behaviour in the turbulent financial services industry.

Keywords

Citation

Karjaluoto, H., Mattila, M. and Pento, T. (2002), "Factors underlying attitude formation towards online banking in Finland", International Journal of Bank Marketing, Vol. 20 No. 6, pp. 261-272. https://doi.org/10.1108/02652320210446724

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MCB UP Ltd

Copyright © 2002, MCB UP Limited