BazEkon - Biblioteka Główna Uniwersytetu Ekonomicznego w Krakowie

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Autor
Schmidt-Jessa Katarzyna (Poznań University of Economics and Business), Stradomski Maciej (Poznań University of Economics and Business)
Tytuł
Consumer Awareness and acceptance of Digital-Only Banks
Świadomość i poziom akceptacji banków cyfrowych przez konsumentów
Źródło
Bank i Kredyt, 2023, nr 4, s. 389-418, tab., rys., bibliogr. 65 poz., aneks
Bank & Credit
Słowa kluczowe
Bankowość wirtualna, Technologie finansowe, Zachowania konsumenta, Innowacje
Virtual banking, FinTech, Consumer behaviour, Innovations
Uwagi
Klasyfikacja JEL: O33, G21, D19
streszcz., summ.
Abstrakt
Celem głównym badania jest zweryfikowanie poziomu akceptacji banków cyfrowych przez określenie potencjalnych szans i barier rozwoju tego typu instytucji, a także stanu wiedzy i świadomości dotyczącej banków cyfrowych. W ramach analiz sformułowano trzy pytania badawcze:
1. Czy istnieje związek między wiedzą i świadomością, innowacyjnością, postrzeganym ryzykiem a zamiarem korzystania z usług banku cyfrowego?

2. Czy istnieje związek między cechami demograficznymi (miejsce zamieszkania, dochód netto, wykształcenie, wiek) a zamiarem korzystania z usług banku cyfrowego?

3. Jakie, z perspektywy konsumenta, są główne atuty i obawy dotyczące banków wyłącznie cyfrowych, które mogą stwarzać szanse i bariery dla rozwoju tych instytucji?
(abstrakt oryginalny)

The study verifies customers' acceptance as well as knowledge and awareness of the new business model of a bank - a digital-only bank. Using Computer Assisted Web Interviews, data were collected through a questionnaire from 515 adults in Poland. The Mann-Whitney U test and the Spearman rank correlation coefficient significance test were used to verify the hypotheses. Our analysis shows that there is a relationship between knowledge and awareness, as well as innovativeness, and the use of the services of a digital-only bank. The higher the knowledge and awareness as well as the innovativeness, the greater the intention to use the services of a digital-only bank. The findings of this study provide important guidelines regarding the strategy of development for banks operating under an innovative business model. (original abstract)
Dostępne w
Biblioteka Główna Uniwersytetu Ekonomicznego w Krakowie
Biblioteka SGH im. Profesora Andrzeja Grodka
Biblioteka Główna Uniwersytetu Ekonomicznego w Katowicach
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Bibliografia
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ISSN
0137-5520
Język
eng
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