Testing the Homogeneity of Non-Adopters of Internet Banking

Berna Serener
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Berna Serener: European University of Lefke

Business and Economics Research Journal, 2019, vol. 10, issue 3, 699-708

Abstract: Non-adopters of internet banking is not a homogenous group. In this study, non-adopters are divided into two groups: prospective adopters and persistent non-adopters. The aim of this paper is to analyse how the two non-adopter groups differ with regard to usage, image, tradition, risk and value barriers. Factor analysis is used to categorize the data into five barriers. Independent samples t-tests are used to reveal the differences between prospective adopters and persistent non-adopters of internet banking. The results of this study reveal that persistent non-adopters show more resistance to internet banking in relation to usage, image, tradition, risk and value barriers. The p-values indicate that the value barrier differentiates the groups the most, followed by usage, image, risk and tradition barriers. The results highlight the fact that psychological barriers are a greater cause of resistance than functional barriers.

Keywords: Internet banking; Non-adopters; Barriers; Homogeneity (search for similar items in EconPapers)
JEL-codes: G21 L81 M31 (search for similar items in EconPapers)
Date: 2019
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Citations: View citations in EconPapers (3)

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Persistent link: https://EconPapers.repec.org/RePEc:ris:buecrj:0416

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