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Emphasis of previous research on e-banking has been on factors that influence its adoption or constraints to the adoption or the extent to which customer awareness influences its adoption. This study investigated “Exposure to/usage of e-banking channels: Implications for customer awareness and attitude in Nigeria”. The purpose of this paper is to determine the extent to which consumers’ exposure to and usage of e-banking channels influence their awareness and attitude towards e-banking in Nigeria.

The study used the quantitative research design; specifically, the conclusive research design was used and data collection was done through the survey method. The population of the study consisted of the customers of EcoBank, First bank and Zenith bank in Edo, Kogi and Kwara states of Nigeria. A structured questionnaire was used to elicit the desired data from 480 respondents selected from 30 branches of 3 banks in two states. One sample t test was used to test for significance of the usage of e-banking channels to customers’ awareness and attitude towards e-banking. Subsequently, regression analysis was performed to determine the predictive power of the e-banking channels.

Customers’ exposure to and usage of ATM, internet banking and mobile banking has significant influence on consumers’ attitude towards e-banking in Nigeria. In view of the findings, a modified model of customer usage and attitude towards e-banking in Nigeria is proposed.

The customer’s inability to exercise absolute right on the banking option to use at all times and the non-inclusion of other channels of e-banking whose usage can influence consumers’ awareness and attitude towards e-banking.

The need for financial institutions, especially banks, to expose their customers to e-banking channels to demystify their fears as well as increase their awareness and thus influence their attitude to e-banking.

Exposure of bank customers to e-banking will reduce cash transactions and thus help to significantly reduce social vices associated with physical cash, especially armed robbery.

The work is a departure from previous studies because it is the only one that has emphazised exposure to e-banking as a solution to awareness creation and positive attitude of customers. Its value lies in its potential to make e-banking user friendly in no distance time.

The purpose of this paper is to determine factors influencing customers’ usage of electronic banking (e-banking) services.

A survey was conducted to collect information from bank customers regarding their perceptions about e-banking services and their demographics. Multiple regression analysis is used to test the hypothesised relationships.

E-banking usage is found to be high for female, more educated, younger, and middle income customers. Among the 11 perceptual variables studied, only six variables, namely: information, performance, self-interest, service quality, satisfaction, and experience are found to be significantly and positively associated with e-banking usage.

This study identifies factors which may be focussed on by bankers during the formulation of their operations and marketing strategies to provide the best e-banking experience to their customers, enabling bankers to augment bank profitability through the strategic use of technologies.

Past studies have seldom examined the combined influence of demographics and other factors on e-banking services usage in the context of developing countries. Most of the earlier studies have considered single service or examined the adoption as only a binary variable.

Banks and financial services providers are increasingly delivering their services via electronic banking, also known as e-banking. Yet even though this type of delivery is now common, the degree of personalization in the services provided via this channel exhibit considerable variation. The purpose of this paper is to examine the impact of service personalization on consumer reaction to the e-banking service. Based on research of information and communication technology (ICT) service innovation and the Unified Theory of Acceptance and Use of Technology (UTAUT) model, this study further examines one contingent factor, compatibility with previous experience with e-banking. This study focuses on the interactions effect of personalization and technology compatibility on customer e-banking service usage.

A survey was conducted to investigate the impacts of personalization on e-banking usage decision process and the interactions between personalization and compatibility with past e-banking experience. Quota sampling was applied and different type of customers were approached in 30 branches of the commercial bank. Data were collected from a sample of 181 banking customers in a metropolitan region in southern China.

The results indicated that personalization leads to increased performance expectancy and decreased effort expectancy, which in turn lead to increasing intention to continue to use e-banking services. In addition, compatibility with previous e-banking experience and personalization produces an interaction effect on both performance expectancy and effort expectancy.

The theoretical contribution of this study is to demonstrate how the contingent factor of compatibility moderates the impact of personalization, thus extending the UTAUT model in the area of e-banking service adoption. Implications are twofold: personalization influences evaluations of both utility and ease of use, and the effect is magnified when compatibility with prior e-banking experience is factored into the model. This is an important extension and future research should examine whether the same relationship holds in other industries using new technologies to deliver services. The UTAUT model, after extension by including the moderating impact of compatibility, works well in demonstrating the impact of various factors on the adoption of a new technological delivery system for a service.

This study has two significant implications for managerial practices. First, the study sheds lights on the segmentation of e-banking customers. Modern marketers know that the best way to engage with consumers is through personal messaging strategies and should make great efforts to identify customers before trying to reach them. In the e-banking realm, consumer banking preferences keep changing. With a clear understanding of the different consumer banker segments, financial institutions can identify which channels appeal to them. For example, some users are more likely than average to use e-banking. Second, this study helps e-banking service provider design different personalized e-banking service for different customers.

This study sheds light on social value of personalization, particularly among those new to a delivery platform.

This study provides evidence demonstrating that personalization increases customer perceptions of performance expectancy and decreases effort expectancy, and that the effect is most profound for customers with limited level of perceived compatibility with past experience with e-banking. This paper extended the UTAUT model and research on ICT service innovation by providing more insights on the impacts of e-banking service personalization and the contingency impact of user’s background in e-banking context.

The purpose of this paper is to propose and validate a framework that can be used for assessing the level of banks' readiness for providing e‐banking services in Jordan.

A questionnaire‐based data‐gathering technique, descriptive, and analytical analyses are used.

This study has used three constructs to propose a framework that can assess e‐banking readiness: perceptions of bankers, perceptions of customers, and IT infrastructure in banks. However, there is evidence in this paper to support that e‐banking has achieved a degree of strategic and operational importance among bank managers. Also, customers are positive about embracing new banking channels. But it seems that technological aspects and IT employees' skills are paramount concerns.

This paper proposes a comprehensive framework to gauge banks' readiness to offer e‐banking services. Also, it suggests that future work could entail investigating the readiness from financial aspects, and the effect of marketing campaigns on customer's acceptance of using e‐banking services.

The findings presented in this paper can be used by banks to evaluate their readiness to provide e‐banking services to their customers. Also, banks can create a readiness profile, in order to pinpoint strengths and weaknesses of their e‐banking services.

This paper adds to readiness studies by providing a framework to assess e‐banking services. It is of interest to researchers to add to this framework and of interest to banks to evaluate services provided to customers.

This paper presents a decision-making framework for e-banking operations, based on the Quality Function Deployment and the Analytic Hierarchy Process. The main research question is the development of a framework and its potential contributions in supporting decision makers in implementing quality strategies that will encourage the usage of e-banking services (EBS).

The introduced framework comprises four distinct stages which include criteria determination, field surveys and EFA, QFD application including AHP and finally sensitivity analysis investigating the dynamic nature of the environment. AHP determines the intensity of the relationship between e-banking quality criteria and customer banking activities. A novel House of Quality (HoQ) is proposed, based on a market mix founded on key e-banking activities, and sensitivity analysis is used to investigate alternative scenarios. To illustrate the steps of applying this framework, the authors use a convenience sample from the Greek e-banking sector.

Through the illustrated example is supported that the proposed approach can reveal valuable information when contemplating strategies to improve e-banking usage and expand its acceptance. In addition, sensitivity analysis leads to purposeful insights regarding the effects of market segmentation and/or target settings on the ranking of e-banking quality/selection criteria provided by the HoQ. In the specific numerical example, the most critical quality factors were “Security and Reliability”, “Convenience”, “Design”, “Pricing” and “Skills,” although different rankings night well appear in different contexts or geographical regions. Moreover, sensitivity analysis showed that these results depend on the specific market mix and targets. As mentioned above, the implementation of the framework in different geographical regions or e-service sectors might certainly reveal different critical factors.

Discussed in the paper body.

Discussed in the paper body.

The paper presents a well-defined four stage framework for improving EBS penetration. It utilizes a structured qualitative and quantitative approach and outlines and ranks e-banking quality factors stemming from the market mix and allows assessment of alternative scenarios through sensitivity analysis.

The purpose of this paper is to investigate factors affecting e-banking usage based on electronic service (e-service) quality, attitude and customer satisfaction.

A conceptual model to investigate factors that influence e-banking usage was developed based on review of existing literature. The model employed e-services quality variable, diffusion of innovation construct and self-efficacy to better reflect the users’ views of e-banking usage. Data collected from 254 e-banking users were used to test the model. The data were analysed based on PLS-SEM using SmartPLS 3.0.

The result reveals that perceived e-service quality has a strong influence on customer satisfaction and use of e-banking, which means that greater quality of e-service has the potential to increase satisfaction and consequently result in to more use of e-banking. In this research findings, competence of e-service support staff, system availability, service portfolio, responsiveness and reliability, in that order, were found to be most significant in rating e-service quality.

This offers financial institutions and professional relevant information e-banking services that will promote greater customer satisfaction and use of e-banking.

This paper contributes to knowledge advancement in bank marketing by providing insight into motivational factors of e-banking services quality and personal characteristics.

The intangible nature of banking services enables financial institutions to deliver them through electronic channels. In addition, the interactive and continuous nature of banking services is conducive to relationship development. It would, therefore, be beneficial for the dyad to build exchange relationships online. This exploratory research investigates the effect of e‐banking on the development of retail relationships in Cyprus.

The perspective of both sides of the dyad is incorporated through face‐to‐face in‐depth interviews. The empirical base used is the Cypriot retail banking sector.

The findings suggest that in the specific context, e‐banking has a significant impact on relationship development, especially at the first stages of the developmental process, but it cannot substitute the other delivery channels.

In view of the contextuality of exchange relationships, it is recognised that the results may be context‐specific and as such, future research should investigate the impact of online delivery systems in alternative cultures and service settings.

The findings create a number of managerial implications, including the need for banks to invest both in e‐platforms and in the development of their employees, as well as the need to systematically appraise customer relationships.

The paper is of value to both academics and practitioners as it addresses the pressing need to investigate exchange relationships using a processual perspective and offers insights into the developmental process of Cypriot retail bank‐client relationships.

This paper presents a meta-analysis of the electronic banking (e-banking) customer loyalty literature in the last 10 years. The study investigated the moderating role of national culture in the relationship between e-banking customer loyalty and its antecedents.

Using a meta-analysis of customer loyalty in 19 countries, the authors incorporated national culture scores based on Hofstede's cultural dimensions to explore how the relative importance of e-banking customer loyalty antecedents varies across cultures.

The study revealed that national culture moderates the relationship between e-banking customer loyalty and its seven antecedents for four cultural dimensions, yet there was no significant moderation for satisfaction.

This study reviewed the relationships in the literature on customer loyalty in e-banking contexts, extending and enriching the current knowledge. However, some specific limitations, such as the non-use of qualitative studies and the clipping of adverse concepts, exist in the secondary data and should be considered.

The results show that the seven antecedents affect e-banking customer loyalty to different degrees. Managers should incorporate cultural factors in e-banking customer management.

Only a few studies have assessed cultural differences in relation to e-banking customer loyalty. The authors address this need by offering deeper insights into how cultural dimensions moderate the relationships between e-banking customer loyalty and its antecedents through a meta-analytical review. The study findings offer managers a new perspective of leveraging the benefits of cultural differences, enhancing their decision-making in international business.

The purpose of this paper is to examine the combined roles that perceived usefulness (PU), perceived ease of use, perceived security and hedonic motivation play on the adoption of e-banking. It also aims to determine the ability of hedonic motivation to transfer the effect of other determinants of e-banking adoption.

In order to empirically test the conceptual model of this study, data were collected from the users of e-banking in Nigeria. A total of 266 questionnaires were analyzed using partial least square structural equation modeling.

The empirical results revealed a significant and positive relationship between PU, perceived security and e-banking adoption. The same result was found to be applicable to the relationship between PU, perceived ease of use, perceived security and hedonic motivation. However, support was not found for the relationship between perceived ease of use and adoption of e-banking. Hedonic motivation plays a mediating role between PU, perceived security and e-banking adoption. The study did not find a mediating effect of hedonic motivation between perceived ease of use and e-banking adoption.

The results of this study provide insights for banking practitioners to know which aspect of e-banking to improve and to aid with policies that will increase adoption. Furthermore, improvements in hedonic motivation will also significantly increase adoption of e-banking.

This study is one of the pioneer studies that tests the mediating influence of hedonic motivation.

Despite the wide availability of internet banking, levels of intention to use such facilities remain variable between countries. The purpose of this paper is to focus on e-banking in a country with low intention to use e-banking – Jordan – and to explain the slow uptake.

A quantitative method employing a cross-sectional survey was used as an appropriate way of meeting the research objectives. The survey was distributed to bank customers in Amman, Jordan, collecting a total of 328 completed questionnaires. SPSS and AMOS software were used, and multiple regression and artificial neural networks were applied to determine the relative impact and importance of e-banking predictors.

The statistical techniques revealed that several major factors, including perceived ease of use, perceived usefulness, security and reasonable price, stand out as the barriers to intention to use e-banking services in Jordan.

This study theorizes a series of implications on intention to use e-banking. It draws the attention of Jordanian banks to the full functionality of their e-banking systems, emphasizing positive safety features, which could contribute to changing negative customer perceptions. It also contributes to eliciting the theory of customer value among banks by focusing on how they should properly enhance their use of shared value. Moreover, it will present to managers how e-banking predictors can send meaningful and timely information to customers.