Title: New issues and challenges facing e-banking in rural areas: an empirical study

Authors: Jiaqin Yang, Mike Whitefield, Katja Boehme

Addresses: Georgia College and State University, Milledgeville, GA 31061, USA. ' Georgia College and State University, Milledgeville, GA 31061, USA. ' Georgia College and State University, Milledgeville, GA 31061, USA

Abstract: This paper describes an empirical study of investigating recent trend and development of the application of e-banking (banking though internet) in rural areas and its economic impact on local financial institutions. The data used in this research are collected through a web-based questionnaire survey. The research objective is to investigate how those smaller and community banks located in rural areas have attempted to catch up with their counterparts in larger cities in terms of the application of e-banking, focusing on emerging issues and challenges. The results are discussed with managerial implications along with suggestions for future research.

Keywords: e-banking; internet banking; electronic banking; online banking; e-business; electronic banking; rural areas; local banks; community banks; empirical study; e-finance; electronic finance.

DOI: 10.1504/IJEF.2007.011503

International Journal of Electronic Finance, 2007 Vol.1 No.3, pp.336 - 354

Published online: 01 Dec 2006 *

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