Tapio Pento

TL;DR: In this article, the authors explored the effect of different factors affecting attitude formation towards Internet banking (online banking) in Finland and determined those factors that influence the formation of attitude towards internet banking on the one hand, and their relation to the use of online banking services, on the other.

TL;DR: This article found that over 30 percent of well-educated mature males make e-banking their primary mode of making payments and that perceived difficulty in using computers combined with the lack of personal service were the main barriers of Internet banking adoption among mature customers.

TL;DR: In this paper, the authors describe the current state of Internet banking in Finland and to study consumer perceptions, beliefs and reactions to electronic banking in general and internet banking in particular, indicating that bank managers can, by knowing the basic beliefs consumers hold about Internet banking, create more effective customer communication, improve software and target prospects better concerning Internet banking.

TL;DR: In this article, the authors developed a cognitive model of the factors which affect the adoption of Internet banking and found that prior technology experience, personal banking experience, reference group influence, and security concerns are the main factors, and demographic characteristics and overall perceptions about Internet banking were found to have a significant effect on the adoption.

TL;DR: In this article, the authors examined a survey of 3,000 and indepth interviews of 30 financial customers who provided information regarding their usage of, and attitudes towards, financial distribution channels.