Professional Documents
Culture Documents
Lindzey
and E. Aronson (Eds.), The handbook of social psychology, 3rd. ed., vol. 1 (pp. 231-
309). New York: Random House
Agag, G., and El-Masry, A. (2016). Understanding the determinants of hotel booking
intentions and moderating role of habit. International Journal of Hospitality
Management, 54, 52e67
Agarwal, R. and Prasad, J., 1997. The role of innovation characteristics and perceived
voluntariness in the acceptance of information technologies. Decision sciences, 28(3),
pp.557-582.
Ainscough, T. L., and Luckett, M. G. (1996). The internet for the rest of us: marketing on
the world wide web. Journal of Consumer Marketing, 13(2), 36-47.
Ajzen, I. and Fishbein, M., 2000. Attitudes and the attitude-behavior relation: Reasoned
and automatic processes. European review of social psychology, 11(1), pp.1-33.
Al-Hajri, S. and Tatnall, A., 2008. Technological innovation and the adoption of Internet
banking in Oman. E JOV: The Electronic Journal for Virtual Organization and Networks,
10
Al-maghrabi, T. and Dennis, C., 2010. Driving online shopping: Spending and
behavioral differences among women in Saudi Arabia. International Journal of Business
Science and Applied Management (IJBSAM), 5(1), pp.30-47.
AL-Majali, M. and Nik Kmariah, N.M, (2010) “Applications of Planned Behavior Theory
(TPB) on Internet Banking Services Adoption (IBSA) in Jordan: Structural Equation
Modeling (SEM) Approach. The 2010 International Conference on Innovation and
Management, Penang, Malaysia, July 7- 10, 2010.
Al-Otaibi, N., Faleel, J., and Faleel, J. E. (n.d.). Banking and Customer Preferences in
Jeddah, Saudi Arabia-Palarch’s. In Journal of Archaeology of Egypt/Egyptology (Vol.
18, Issue 13).
Ashraf, A.R., Thongpapanl, N. and Auh, S., 2014. The application of the technology
acceptance model under different cultural contexts: The case of online shopping
adoption. Journal of International Marketing, 22(3), pp.68-93.
Baabdullah, A.M., Alalwan, A.A., Rana, N.P., Kizgin, H. and Patil, P., 2019. Consumer
use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model.
International Journal of Information Management, 44, pp.38-52.
Beck, R., 2014. ‘Looking for trouble ‘in global information systems development and
new product development outsourcing projects. In Innovation and IT in an
International Context (pp. 236-248). Palgrave Macmillan, London.
Beatty, A. and Liao, S., 2014. Financial accounting in the banking industry: A review of
the empirical literature. Journal of accounting and Economics, 58(2-3), pp.339-383.
Berger, B., Matt, C., Steininger, D.M. and Hess, T., 2015, January. Paper or Screen--
Differences in Customer Preferences and Willingness to Pay between Traditional and
Digital Content Services. In 2015 48th Hawaii International Conference on System
Sciences (pp. 3384-3393). IEEE.
Biemans, H.J., Lans, T., Chizari, M. and Mulder, M., 2016. The impact of
entrepreneurship education: A study of Iranian students' entrepreneurial intentions and
opportunity identification. Journal of Small Business Management, 54(1), pp.187-209.
Boshkoska, M., and Sotiroski, K. (2018). An empirical study of customer usage and
satisfaction with e-banking services in the Republic of Macedonia. Croatian Review of
Economic, Business and Social Statistics 4(1), 1-13.
Broderick, A.J. and Vachirapornpuk, S., 2002. Service quality in internet banking: the
importance of customer role. Marketing Intelligence and Planning.
Chawla, D. and Joshi, H., 2017. Consumer perspectives about mobile banking adoption
in India–a cluster analysis. International Journal of Bank Marketing
Chepurna, M. and Criado, J.R., 2018. Identification of barriers to co-create on-line: the
perspectives of customers and companies. Journal of Research in Interactive
Marketing.
Cheskin Research. (2000). Trust in the wired Americas, July 2000. Available from
http://www.cheskin.com/think/studies/trust2.html
Chiou, J., Shen, C., 2006. The effects of satisfaction, opportunism, and asset specificity
on consumers' loyalty intention toward internet portal sites. Int. J. Serv. Ind. Manag. 17,
7–23.
Clay, K. and Strauss, R.P., 2000, January. Trust, Risk and Electronic Commerce:
Nineteenth Century Lessons for the Twenty-First Century. In Proceedings. Annual
Conference on Taxation and Minutes of the Annual Meeting of the National Tax
Association (Vol. 93, pp. 53-63). National Tax Association.
Constantine, L. and Chaniotakis, L., (2005) Factors Affecting Acceptance of the Interent
as a Marketing-Intelligent Tool among Employees of Greek Bank Branches,
International Journal of Bank Marketing, 23, 6,484-505
Cooper, M.C., Lambert, D.M. and Pagh, J.D., 1997. Supply chain management: more
than a new name for logistics. The international journal of logistics management, 8(1),
pp.1-14.
Daniel, E. (1999). Provision of Electronic Banking in the UK and the Republic of Ireland.
International Journal of Bank Marketing, 17(2), 72–82.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance
of information technology. MIS Quarterly, 13, 319 – 340.
Davis, F.D., Bagozzi, R.P, and Warshaw, P.R. (1989) User Acceptance of Computer
Technology: A Comparison of Two Theoretical Models, Management Science, 35, 8,
982-1003.
Fenuga, O.J. and Oladejo, R.K., 2010. The effect of electronic payment on customer
service delivery in Nigerian banks. International journal of Economic development
research and investment, 1(1), pp.227-239.
Feyen, E., Frost, J., Gambacorta, L., and Natarajan, H. (2021). Fintech and the digital
transformation of financial services: implications for market structure and public policy.
The Bank for International Settlements and the World Bank Group, 117, 1-48.
Gentry, L. and Calantone, R., 2002. A comparison of three models to explain shop‐bot
use on the web. Psychology and Marketing, 19(11), pp.945-956.
George, M., Lennard, L. and Scribbins, K., 2013. Mobile Payments: Problem or
Solution?
Gerrard, P., and Cunningham, J. B. (2003). The diffusion of internet banking among
Singapore consumers. International Journal of Bank Marketing, 21(1), 16-28. Retreived
from https://doi.org/10.1108/02652320310457776
Hackett, S., and Paramanto, B. (2009). Homepage not enough when evaluating web
site accessibility. Internet Research, 19(1), 78-87. doi:10.1108/106622409109278 30
Harris, M.A., Brookshire, R. and Chin, A.G., 2016. Identifying factors influencing
consumers’ intent to install mobile applications. International Journal of Information
Management, 36(3), pp.441-450
Ismail, M.A. and Osman, M.A., 1970. Factors influencing the adoption of e-banking in
Sudan: Perceptions of retail banking clients. The Journal of Internet Banking and
Commerce, 17(3), pp.1-12.
Jamshidi, D., Hashemi, K., Hussin, N., Wan, H.L. and Mossafa, S., 2014. Investigating
critical factors influencing acceptance and marketing strategies of Islamic banking
services in Malaysia. International Journal of Accounting Research, 42(1484), pp.1-9
Jarvenpaa, S.L., Tractinsky, N. and Vitale, M., 2000. Consumer trust in an Internet
store. Information technology and management, 1(1), pp.45-71.
Joseph, M., McClure, C. and Joseph, B., 1999. Service quality in the banking sector: the
impact of technology on service delivery. International journal of bank marketing.
Joo, J. and Sang, Y., 2013. Exploring Koreans’ smartphone usage: An integrated model
of the technology acceptance model and uses and gratifications theory. Computers in
Human Behavior, 29(6), pp.2512-2518.
Kim, C., Mirusmonov, M. and Lee, I., 2010. An empirical examination of factors
influencing the intention to use mobile payment. Computers in human behavior, 26(3),
pp.310-322
Kimery, K.M. and McCord, M., 2002. Third party assurances: mapping the road to trust
in eretailing. Journal of Information Technology Theory and Application (JITTA), 4(2),
p.7.
Kundu, S. and Datta, S.K., 2014. A scale for measuring Internet banking service quality:
literature review and validation with Indian public sector banks. Journal of Electronic
Commerce in Organizations (JECO), 12(3), pp.12-39.
Kolsaker, A. and Payne, C., 2002. Engendering trust in e‐commerce: a study of gender‐
based concerns. Marketing intelligence and planning.
Kotler, P., P foertsch, W. and Michi, I., 2006. B2B brand management (Vol. 357). Berlin:
Springer.
Lee, J. and Moray, N., 1992. Trust, control strategies and allocation of function in
human-machine systems. Ergonomics, 35(10), pp.1243-1270.
Lee, M.K. and Turban, E., 2001. A trust model for consumer internet shopping.
International Journal of electronic commerce, 6(1), pp.75-91.
Li, Y.M. and Yeh, Y.S., 2010. Increasing trust in mobile commerce through design
aesthetics. Computers in Human Behavior, 26(4), pp.673-684.
Mallat, N., 2007. Exploring consumer adoption of mobile payments–A qualitative study.
The Journal of Strategic Information Systems, 16(4), pp.413-432.
Martins, C., Oliveira, T. and Popovič, A., 2014. Understanding the Internet banking
adoption: A unified theory of acceptance and use of technology and perceived risk
application. International journal of information management, 34(1), pp.1-13.
Mavhiki, S., Nyamwanza, T. and Shumba, L., 2015. Impact of mobile banking on
traditional banking practices in Zimbabwe.
Mols, N.P., 1998. The Internet and the banks’ strategic distribution channel decisions.
Internet Research.
Montazemi, A.R. and Qahri-Saremi, H., 2015. Factors affecting adoption of online
banking: A meta-analytic structural equation modeling study. Information and
management, 52(2), pp.210-226.
Montazemi, A.R. and Qahri-Saremi, H., 2015. Factors affecting adoption of online
banking: A meta-analytic structural equation modeling study. Information and
management, 52(2), pp.210-226.
Mostafa, R.B., 2020. Mobile banking service quality: a new avenue for customer value
co-creation. International Journal of Bank Marketing.
Mukherjee, Avinandan and Nath, Prithwiraj. (2007). Nath, P.: Role of electronic trust in
online retailing: A re-examination of the commitment-trust theory. European Journal of
Marketing 41, 1173-1202. European Journal of Marketing - EUR J MARK. 41. 1173-
1202. 10.1108/03090560710773390.
Nair, A (1999), “Indian Internet banking still nascent,” Asia Internet news, May 12th
Nasir, M.A., Wu, J., Yago, M. and Li, H., 2015. Influence of psychographics and risk
perception on internet banking adoption: Current state of affairs in Britain. International
Journal of Economics and Financial Issues, 5(2), pp.461-468.
O’Hern ., Schweidel, D.A., Rindfleisch, A, M.S. and Antia, K.D., 2010. The impact of
user-generated content on product innovation. Working paper, available at Wharton
Interactive Media Initiative (http://www. whartoninteractive. com).
Ojokuku, R. M., Odetayo, T. A., and Sajuyibe, A. S. (2012). Impact of leadership style
on organisational performance: A case study of Nigerian banks. American Journal of
Business and Management, 1(4), 202 – 207.
Oliveira, T., Thomas, M., Baptista, G. and Campos, F., 2016. Mobile payment:
Understanding the determinants of customer adoption and intention to recommend the
technology. Computers in human behavior, 61, pp.404-414.
Omigie, O.C. and Daniel, D.T., 2014. Consumers’ perception on Ofada rice in Ibadan
North local government area of Oyo State, Nigeria. Journal of Economics and
Sustainable Development, 5(16), p.4
Palvia, P., Daneshvar Kakhki, M., Ghoshal, T., Uppala, V. and Wang, W., 2015.
Methodological and topic trends in information systems research: A meta-analysis of IS
journals. Communications of the Association for Information Systems, 37(1), p.30.
Parasuraman, A., Berry, L.L. and Zeithaml, V.A., 1988. Communication and control
processes in the delivery of service quality. Journal of marketing, 52(2), pp.35-48
Peterson, R., Zsidisin, G. and Daily, B., 1999. Service quality perceptions in the banking
industry: major dimensions. Journal of Business Strategies, 16(2), pp.170-188.
Prompattanapakdee, S., 2009. The adoption and use of personal internet banking
services in Thailand. The Electronic Journal of Information Systems in Developing
Countries, 37(1), pp.1-30.
Ramya, R., Indirapriyadharshini, B., and Giri, N. (n.d.). Issue22 Available online @
www. In iaraindia.com research explorer-A Blind Review and Refereed Quarterly
International Journal: Vol. V (Issue 63185). www.iaraindia.com
Rayport, J.F. and Sviokla, J.J., 1994. Managing in the marketspace. Harvard business
review, 72(6), pp.141-150.
Rezapour, M., and Peykani, M. (2017). Compare Customer Satisfaction with the Quality
of Ebanking Services among State. International Review of Management and
Marketing, 7(2), 237-243.
Rigopoulos, G., Askounis, D. (2007) A TAM Framework to Evaluate Users’ Perception
towards Online Electronic Payments, Journal of Internet Banking and Commerce, 12, 3,
1-6.
Rotter, J.B., 1967. A new scale for the measurement of interpersonal trust 1. Journal of
personality, 35(4), pp.651-665.
Sabi, H.M. (2014). Research Trends in the Diffusion of Internet Banking in Developing
Countries. Journal of Internet Banking and Commerce, 19(2).
Saxena, N., Gera, N., Nagdev, K., and Fatta, D. di. (2021). A conjoint analysis of
customers’ preferences for e-banking channels. In Int. J. Electronic Marketing and
Retailing (Vol. 12, Issue 1).
Shahchra, M., Moradi, A., Arabi, H. and Ahmadian, A., 2018. Identifying customer
preferences in using e-banking services. International Journal of Information, Security
and Systems Management, 7(1), pp.759-768.
Schueffel, P.E. and Vadana, I.I., 2015. Open Innovation in the Financial Services
Sector-A global literature review. Journal of innovation management, 3(1), pp.25-48.
Schreieck, M., Wiesche, M. and Krcmar, H., 2017, December. The Platform Owner's
Challenge to Capture Value-Insights from a Business-to-Business IT Platform. In ICIS.
Severino, M., Tonderai, N. and Life, S. Impact of Mobile Banking on Traditional Banking
Practices in Zimbabwe. Journal of Economics, Commerce, and Management
(IJECM).2016.
Sharma, A. and Lenka, S.K., 2016. E91 QKD protocol for authentication in online
banking systems. International Journal of Business Information Systems, 22(1), pp.116-
122.
Sharma, S.K. and Govindaluri, S.M., 2014. Internet banking adoption in India: structural
equation modeling approach. Journal of Indian Business Research, 6(2), pp.155-169.
Singh, S. and Srivastava, R.K., 2020. Understanding the intention to use mobile
banking by existing online banking customers: an empirical study. Journal of Financial
Services Marketing, 25(3), pp.86-96.
Sniehotta, F., 2009. An experimental test of the theory of planned behavior. Applied
Psychology: Health and Well‐Being, 1(2), pp.257-270.
Szopiński, T.S., 2016. Factors affecting the adoption of online banking in Poland.
Journal of business research, 69(11), pp.4763-4768.
Taylor, S. and Todd, P., 1995. Decomposition and crossover effects in the theory of
planned behavior: A study of consumer adoption intentions. International journal of
research in marketing, 12(2), pp.137-155.
Timothy, A., 2012. Electronic banking services and customer satisfaction in the Nigerian
banking industry. International Journal of business and management tomorrow, 2(3),
pp.1-8.
Tiwari, R., Buse, S. and Herstatt, C., 2007, February. Mobile services in banking sector:
the role of innovative business solutions in generating competitive advantage. In
Proceedings of the international research conference on quality, innovation and
knowledge management (pp. 886-894).
Woldie, A., Hinson, R., Iddrisu, H. and Boateng, R., 2008. Internet banking: an initial
look at Ghanaian bank consumer perceptions.
Worku, G., Tilahun, A. and Tafa, M.A., 2016. The impact of electronic banking on
customers’ satisfaction in Ethiopian banking industry (The Case of Customers of
Dashen and Wogagen Banks in Gondar City). Journal of Business and Financial Affairs,
5(2), pp.1-18.
Workman, M., 2014. New media and the changing face of information technology use:
The importance of task pursuit, social influence, and experience. Computers in Human
Behavior, 31, pp.111-117.
Venkatesh, V., 1999. Creation of favorable user perceptions: Exploring the role of
intrinsic motivation. MIS quarterly, pp.239-260.
Yang, Z. and Jun, M., 2002. Consumer perception of e-service quality: from internet
purchaser and non-purchaser perspectives. Journal of Business strategies, 19(1),
pp.19-42.
Zhang, T., C. Lu, and M. Kizildag. 2018. Banking “on-the-go”: Examining consumers’
adoption of mobile banking services. International Journal of Quality and Service
Sciences 10(3): 279–295.
Zhou, T., 2012. Examining mobile banking user adoption from the perspectives of trust
and flow experience. Information Technology and Management, 13(1), pp.27-37.
Zojaji, Z., Atani, R.E. and Monadjemi, A.H., 2016. A survey of credit card fraud detection
techniques: data and technique oriented perspective. arXiv preprint arXiv:1611.06439.