Int. J. of Financial Innovation in Banking   »   2016 Vol.1, No.1/2



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Title: Cross-buying as a challenge in emerging markets: a study of the effect of technology adoption on cross-buying intentions


Authors: Vishal Vyas; Sonika Raitani


ABV-Indian Institute of Information Technology and Management, Morena Link Road, Gwalior, Madhya Pradesh, 474015, India
Indian Institute of Management, Lucknow, Uttar Pradesh, 226013, India


Abstract: The primary focus of this study is to understand whether the banking customers who are more likely to adopt new technologies will increase their likelihood to buy more products and services from same provider. This aim was achieved by examining the effect of technology adoption by banking customers on their cross-buying intentions for financial services. Data were collected using structured questionnaire and analysed adopting structural equation modelling (SEM). A positive strong association was found between technology adoption and cross-buying intentions. Technology adoption was measured through familiarity, innovativeness and stance to new technologies. The results stress the importance of increasing usage and popularity of electronic channels among banking customers for encouraging cross-buying. The originality of the paper lies in the fact that this study goes one step further from previous research by examining the direct relationship between technology adoptions by banking customers on their cross-buying intentions.


Keywords: cross-buying intentions; cross-selling; financial services; technology adoption; structural equation modelling; SEM; e-banking; electronic banking; online banking; bank products; bank customers; customer behaviour.


DOI: 10.1504/IJFIB.2016.076623


Int. J. of Financial Innovation in Banking, 2016 Vol.1, No.1/2, pp.80 - 98


Submission date: 05 Nov 2015
Date of acceptance: 07 Jan 2016
Available online: 16 May 2016



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