A research framework based on the theory of planned behavior (Ajzen 1985) and the diffusion of innovations theory (Rogers 1983) was used to identify the attitudinal, social and perceived behavioral control factors that would influence the adoption of Internet banking. An online questionnaire was designed on the World Wide Web (WWW). Respondents participated through extensive personalized email invitations as well as postings to newsgroups and hyperlinks from selected Web sites.

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Factors influencing the adoption of Internet banking

Consumer Acceptance of the Internet as a Channel of Distribution

This paper presents the preliminary results of a large‐scale survey which examined Internet marketing applications in the inter‐nationalisation of UK SMEs. Although there are some examples of innovative practice, few UK SMEs are utilising the full potential of the World Wide Web (WWW) in international marketing. In this respect, practice in the UK lags several years behind that in the US. Given that the Internet will have a revolutionary impact on the conduct of international trade, a major education and training initiative is required to improve knowledge and understanding in this area and to encourage more effective use of the Internet to support SME internationalisation. In the absence of such an initiative, a further decline in the UK's international competitive position can be expected as other nations embrace the global marketing opportunities made possible by the Web.

Internet marketing in the internationalisation of UK SMEs

Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior

The recent explosion of international business activity on the World Wide Web will have a profound impact on the study and practice of international marketing as we move towards the new millennium. Examines the implications of such developments for international marketing educators and for the mainstream literature on international marketing. Argues that the rapid commercialization of the Internet calls into question many of the fundamental tenets on which most international marketing research and teaching is based, especially the incremental, evolutionary school of internationalization. The Internet presents a fundamentally different environment for international marketing and new paradigms will have to be developed to take account of internationalization processes in an electronic age. This will require the launch of a major new research initiative to improve our understanding of Internet‐enabled international marketing, especially the extent to which the “Net” provides a low cost “gateway” to global markets for small and medium‐sized enterprises. In the absence of such an initiative, the mainstream academic literature will no longer accurately describe the reality of international business.

The Internet and international marketing

With the rapid expansion of the Internet, there are a number of initiatives underway for the creation of a secure cost-effective payment system which will be able to support growing commercial activities on the network. Although electronic payment systems for large payments have been in operation for some time, rapidly expanding volumes of foreign exchange and securities trading are increasingly at variance with the requirements for a cost-effective and efficient electronic payment system for making low value payments. Current progress in establishing such payment systems on the Internet is examined. The paper argues that the ultimate vision could be for a truly global and virtual marketplace requiring completely new institutional and legal structures and having a similarly profound impact on economic life to the medieval trade fairs which emerged in Europe in the 12th century.

Electronic Commerce and the Banking Industry: The Requirement and Opportunities for New Payment Systems Using the Internet

Reports on the Change and Convergence Workshop, held at the Institution of Electrical Engineers in London in March 1996. Identifies social, economic and other barriers to effective exploitation of new forms of information systems and considers actions that might be taken to eliminate or reduce their effects.

Andreas Crede

Papers

Electronic Commerce and the Banking Industry: The Requirement and Opportunities for New Payment Systems Using the Internet

Social, cultural, economic and legal barriers to the development of technology‐based information systems