Internet Banking Adoption and Consumer Behavior
Summary
Internet banking has undergone rapid global diffusion, reshaping how individuals and businesses manage finances. Adoption is influenced by perceived ease of use, performance expectancy and trust in digital channels, counterbalanced by concerns over privacy and security. Frameworks such as the Technology Acceptance Model and the Unified Theory of Acceptance and Use of Technology underpin much empirical work, revealing that social influence, hedonic motivation and facilitating conditions play pivotal roles. Consumer behaviour varies across demographic and cultural contexts, with digital literacy, infrastructural readiness and regulatory environments shaping both initial uptake and sustained usage. Practically, banks leverage segmentation, tailored interfaces and financial education initiatives to enhance engagement, while policymakers promote digital inclusion and cyber-security standards. The interplay among technological, psychological and social factors underscores the necessity of interdisciplinary strategies to foster equitable access and to sustain trust in online financial ecosystems.
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Internet Banking Adoption and Consumer Behavior publication trend
The graph below shows the total number of articles in internet banking adoption and consumer behavior across all publications each year (not limited to Nature Index journals).
Technical terms
Perceived risk: The user’s assessment of potential financial or privacy losses when using online banking.
Performance expectancy: The degree to which a consumer believes that using internet banking will enhance task performance.
Perceived ease of use: The extent to which a user considers online banking interfaces to be simple and effortless.
Hedonic motivation: The pleasure or enjoyment derived from using a banking technology beyond its functional benefits.
Social influence: The impact of peers or social networks on an individual’s decision to adopt online banking.
Facilitating conditions: The availability of technical and organisational support that enables effective use of internet banking.
Unified Theory of Acceptance and Use of Technology (UTAUT): A framework positing performance expectancy, effort expectancy, social influence and facilitating conditions as key adoption determinants.
Information System Success Model (ISSM): A model linking system quality, information quality and service quality to user satisfaction and intention to use an information system.
References
- Emotions, perceived risk and intentions to adopt emerging e-banking technology amongst educated young consumers. International Journal of Bank Marketing (2024).
- The impact of electronic banking services on the use of technology by customers of conventional and Islamic banks in Jordan. International Journal of Data and Network Science (2023).
- Factors influencing the adoption of internet banking: An integration of ISSM and UTAUT with price value and perceived risk. Frontiers in Psychology (2022).
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