Relative advantage of interactive electronic banking adoption by premium customers

Chun Kwong Chan (Department of Systems Engineering and Engineering Management, Chinese University of Hong Kong, Shatin, Hong Kong)
Yulin Fang (Department of Information Systems, City University of Hong Kong, Kowloon, Hong Kong)
Huifang Li (Department of Management Science and Engineering, University of Science and Technology of China, Hefei, China)

Internet Research

ISSN: 1066-2243

Publication date: 10 September 2019



The purpose of this paper is to develop a nuanced understanding of premium customers’ intent to adopt an interactive electronic channel (IEC) and the moderating role of social capital on perceived relative advantage (RA) in adoption.


Study findings are based on a field survey that investigates the launching of an IEC by a leading international bank in Hong Kong.


Among social capital dimensions, cognitive capital significantly weakens the relationship between efficacy of information acquisition and IEC adoption, while relational capital enhances the relationship between trust and adoption.

Research limitations/implications

This paper provides a theoretical lens based on social capital theory for evaluating the moderating effects of social capital on the relationship between RA and IEC adoption by premium customers in the banking industry.

Practical implications

Findings provide insights for the practice of banks when trying to deliver financial services via an IEC to the premium customer segment.


This research extends the channel choice theory to the context of banking channel adoption of premium customers; provides a better understanding of the IEC and its adoption in the more complex setting of financial consultation services; and offers insights for a better understanding of fragmented findings on the relationships between adoption intention and its antecedents in response to calls for studies on contingent factors.



The authors are grateful to the associate editor and the anonymous reviewers for their invaluable guidance and insightful comments. Special thanks go to HSBC Asia Pacific in supporting this research, and granting access to a number of internal documents, and to City University of Hong Kong in encouraging the authors to publish this research which is part of the doctoral thesis of the first author. The third author thanks for the support of grants from the National Natural Science Foundation of China (NSFC) (Project Nos 71571155, 71601027, 71772022, 71431002 and 71421001), the Hong Kong Research Grants Council (Project No. CityU 11502116) and the China Postdoctoral Science Foundation (Project No. 2016M600206).


Chan, C., Fang, Y. and Li, H. (2019), "Relative advantage of interactive electronic banking adoption by premium customers", Internet Research, Vol. ahead-of-print No. ahead-of-print.

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