To Choose or Not to Choose: Exploring Australians' Views about Internet Banking

Kirsty Williamson, Sharman Lichtenstein, Jen Sullivan and Don Schauder
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Kirsty Williamson: Monash University, Australia and Charles Sturt University, Australia
Sharman Lichtenstein: Deakin University, Australia
Jen Sullivan: Monash University, Australia
Don Schauder: Monash University, Australia

International Journal of Technology and Human Interaction (IJTHI), 2006, vol. 2, issue 4, 17-36

Abstract: This paper explores Australian domestic customers’ choices with regard to Internet banking, examining why it is taken up by some Australians and not others. The constructivist conceptual framework and the grounded nature of the method enabled in-depth exploration of key issues not undertaken before by the mainly positivist studies. The purposeful sample of 32 participants was selected to represent the major categories of people relevant to the research. Everett Rogers’ famous analysis of ‘diffusion of innovations’ was one theoretical framework used to illuminate the findings; the other was digital divide factors in relation to banking choices. The findings include 1) that the major motivation for people to adopt Internet banking is convenience, closely linked to time savings and ease of accessibility, as well as confidence and skill in Internet use; and 2) that, at the time of the study, digital divide factors were playing an important part in banking choices.

Date: 2006
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