Factors Affecting Internet Banking Success: A Comparative Investigation between Indonesia and South Korea

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Internet banking is a prominent example of Internet-based applications. Previous research has found that satisfaction, trust, commitment, and loyalty are important factors for Internet banking success. Resistance to adopt Internet banking is often attributed to the role of trust, security, and privacy in e-commerce systems. This study proposes a framework to examine behaviors toward Internet banking services in Indonesia and South Korea. A research model was empirically tested with data captured in a large-scale study. The results show that Indonesians' use of Internet banking is strongly influenced by perceived security, while Koreans use of Internet banking is strongly influenced by privacy concerns. Trust and user satisfaction have a greater influence on loyalty for Indonesians while commitment has a greater influence on loyalty for Koreans. The study develops related conclusions including a discussion of the research implications.
Publisher
IGI PUBL
Issue Date
2013-04
Language
English
Article Type
Article
Keywords

INFORMATION-SYSTEMS SUCCESS; E-COMMERCE; ONLINE BANKING; CONSUMER TRUST; MCLEAN MODEL; WEB SITE; SATISFACTION; QUALITY; DELONE; INTENTIONS

Citation

JOURNAL OF GLOBAL INFORMATION MANAGEMENT, v.21, no.2, pp.72 - 95

ISSN
1062-7375
DOI
10.4018/jgim.2013040104
URI
http://hdl.handle.net/10203/251038
Appears in Collection
MG-Journal Papers(저널논문)
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