Title: Barriers to internet banking adoption in developing countries: a consumer survey

Authors: Zaid Ahmad Ansari

Addresses: Department of Business Administration, College of Business and Economics, Qassim University, Buraidah, Saudi Arabia

Abstract: The paper shows the possible barriers to internet banking adoption in developing countries. The study is quantitative which used primary data collected through structured close ended questionnaire from users as well as non-users of internet banking. The main barriers were perceived risk in internet banking, no perceived need, lack of knowledge about the services, and pricing concerns. The findings may be of use to the bankers in developing future strategies to attract the non-users towards internet banking, and enhance the internet banking experience of the current internet banking users and for the researchers to further investigate the topic. The findings illustrate why still a large percentage of banking consumers do not use internet banking, it highlights their main concerns, doubts, and hesitations. The findings are equally important for researchers for further investigations and for bankers to convert non-users into users of internet banking.

Keywords: internet banking; barriers to internet banking; banking consumers; Saudi Arabia; developing countries.

DOI: 10.1504/IJEBANK.2018.095600

International Journal of Electronic Banking, 2018 Vol.1 No.2, pp.171 - 193

Available online: 04 Oct 2018 *

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