An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea

Internet-only banks have recently emerged in the financial industry because of the rapid development of fintech, which combines information and communication technologies with finance. This study investigated the factors affecting customers’ acceptance of internet-only banks in Korea. A research mod...

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Autores principales:	Cheolho Yoon, Dongsup Lim
Formato:	article
Lenguaje:	EN
Publicado:	Taylor & Francis Group 2020
Materias:	internet-only bank fintech innovation diffusion tam korean bank Business HF5001-6182 Management. Industrial management HD28-70
Acceso en línea:	https://doaj.org/article/d1bee97a1aef4801b77e1577790ff816
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spelling	oai:doaj.org-article:d1bee97a1aef4801b77e1577790ff8162021-12-02T14:41:30ZAn empirical study on factors affecting customers’ acceptance of internet-only banks in Korea2331-197510.1080/23311975.2020.1792259https://doaj.org/article/d1bee97a1aef4801b77e1577790ff8162020-01-01T00:00:00Zhttp://dx.doi.org/10.1080/23311975.2020.1792259https://doaj.org/toc/2331-1975Internet-only banks have recently emerged in the financial industry because of the rapid development of fintech, which combines information and communication technologies with finance. This study investigated the factors affecting customers’ acceptance of internet-only banks in Korea. A research model was developed in which relative advantage, complexity, compatibility, image, trialability, perceived critical mass, personal innovativeness, and computer self-efficacy influence perceived usefulness; image, trialability, perceived critical mass, personal innovativeness, and computer self-efficacy influence perceived enjoyment; and perceived usefulness, perceived enjoyment, and subjective norms influence the intention to use internet-only banks was developed. A total of 305 valid data were collected through questionnaires and analyzed using confirmatory factor analysis and path analysis through structural equation modeling. Results showed that relative advantage, image, perceived critical mass, and personal innovativeness influence perceived usefulness; image, trialability, perceived critical mass, personal innovativeness, and computer self-efficacy influence perceived enjoyment; and perceived usefulness, perceived enjoyment, and subjective norms influence the intention to use internet-only banks. This study suggests practical implications for research on the factors affecting customers’ acceptance of internet-only banks in Korea.Cheolho YoonDongsup LimTaylor & Francis Grouparticleinternet-only bankfintechinnovation diffusiontamkorean bankBusinessHF5001-6182Management. Industrial managementHD28-70ENCogent Business & Management, Vol 7, Iss 1 (2020)
institution	DOAJ
collection	DOAJ
language	EN
topic	internet-only bank fintech innovation diffusion tam korean bank Business HF5001-6182 Management. Industrial management HD28-70
spellingShingle	internet-only bank fintech innovation diffusion tam korean bank Business HF5001-6182 Management. Industrial management HD28-70 Cheolho Yoon Dongsup Lim An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea
description	Internet-only banks have recently emerged in the financial industry because of the rapid development of fintech, which combines information and communication technologies with finance. This study investigated the factors affecting customers’ acceptance of internet-only banks in Korea. A research model was developed in which relative advantage, complexity, compatibility, image, trialability, perceived critical mass, personal innovativeness, and computer self-efficacy influence perceived usefulness; image, trialability, perceived critical mass, personal innovativeness, and computer self-efficacy influence perceived enjoyment; and perceived usefulness, perceived enjoyment, and subjective norms influence the intention to use internet-only banks was developed. A total of 305 valid data were collected through questionnaires and analyzed using confirmatory factor analysis and path analysis through structural equation modeling. Results showed that relative advantage, image, perceived critical mass, and personal innovativeness influence perceived usefulness; image, trialability, perceived critical mass, personal innovativeness, and computer self-efficacy influence perceived enjoyment; and perceived usefulness, perceived enjoyment, and subjective norms influence the intention to use internet-only banks. This study suggests practical implications for research on the factors affecting customers’ acceptance of internet-only banks in Korea.
format	article
author	Cheolho Yoon Dongsup Lim
author_facet	Cheolho Yoon Dongsup Lim
author_sort	Cheolho Yoon
title	An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea
title_short	An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea
title_full	An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea
title_fullStr	An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea
title_full_unstemmed	An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea
title_sort	empirical study on factors affecting customers’ acceptance of internet-only banks in korea
publisher	Taylor & Francis Group
publishDate	2020
url	https://doaj.org/article/d1bee97a1aef4801b77e1577790ff816
work_keys_str_mv	AT cheolhoyoon anempiricalstudyonfactorsaffectingcustomersacceptanceofinternetonlybanksinkorea AT dongsuplim anempiricalstudyonfactorsaffectingcustomersacceptanceofinternetonlybanksinkorea AT cheolhoyoon empiricalstudyonfactorsaffectingcustomersacceptanceofinternetonlybanksinkorea AT dongsuplim empiricalstudyonfactorsaffectingcustomersacceptanceofinternetonlybanksinkorea
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An empirical study on factors affecting customers’ acceptance of internet-only banks in Korea

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