Les objets connectés dans la banque: quelles implications sur les comportements des consommateurs ?

Zied Mani () and Inès Chouk
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Zied Mani: LEMNA - Laboratoire d'économie et de management de Nantes Atlantique - IEMN-IAE Nantes - Institut d'Économie et de Management de Nantes - Institut d'Administration des Entreprises - Nantes - UN - Université de Nantes
Inès Chouk: THEMA - Théorie économique, modélisation et applications - UPN - Université Paris Nanterre - UCP - Université de Cergy Pontoise - Université Paris-Seine - CNRS - Centre National de la Recherche Scientifique

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Abstract: Internet of Things is expected to be the next phase of the Internet revolution and to transform consumers' lives. It nevertheless raises challenges. The aim of our research is to provide a better understanding of antecedents of consumers' resistance to smart services. Data were collected on a sample of 653 consumers. Results show that three categories of factors have a significant impact on consumer resistance: (1) consumer-related factors (mobiquity, technological dependence, and self-image congruence), (2) innovation-related factors (perceived security, perceived complexity and perceived health risk), (3) and system-related factors (perceived government surveillance and general skepticism towards IoT). Based on the results, theoretical and managerial implications are developed.

Keywords: resistance; innovation; Internet of Things; smart service; smart product; smart banking; internet des objets; service bancaire intelligent; banque connectée; objets connectés (search for similar items in EconPapers)
Date: 2018-01-09
New Economics Papers: this item is included in nep-pay
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