SciELO - Scientific Electronic Library Online

vol.17 número5A review of factors affecting the attractiveness of Angola to private equity (PE) investmentsMarket barriers for voluntary climate change mitigation in the South African private sector índice de autoresíndice de assuntospesquisa de artigos
Home Pagelista alfabética de periódicos  

Serviços Personalizados



Links relacionados

  • Em processo de indexaçãoCitado por Google
  • Em processo de indexaçãoSimilares em Google


South African Journal of Economic and Management Sciences

versão On-line ISSN 1015-8812


NEL, Jacques  e  BOSHOFF, Christo. Enhancing the use of internet banking in an emerging market. S. Afr. j. econ. manag. sci. [online]. 2014, vol.17, n.5, pp. 624-638. ISSN 1015-8812.

Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients' actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.

Palavras-chave : internet banking; actual use; high and low users; logistic regression analysis; risk; facilitating conditions.

        · texto em Inglês     · Inglês ( pdf )