To Choose or Not to Choose: Exploring Australians' Views about Internet Banking

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Author(s): Kristy Williamson (Monash University, Australia, and Charles Sturt University, Australia), Sharman Lichtenstein (Deakin University, Australia), Jen Sullivan (Monash University, Australia)and Don Schauder (Monash University, Australia)
Copyright: 2008
Pages: 12
Source title: Global Information Technologies: Concepts, Methodologies, Tools, and Applications
Source Author(s)/Editor(s): Felix B. Tan (Auckland University of Technology, New Zealand)
DOI: 10.4018/978-1-59904-939-7.ch142

Keywords: Computer Science & IT / Global Information Technology / Information Science Reference

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Abstract

This paper explores Australian domestic customers’ choices with regard to Internet banking, examining why it is taken up by some Australians and not others. The constructivist conceptual framework and the grounded nature of the method enabled in-depth exploration of key issues not undertaken before by the mainly positivist studies. The purposeful sample of 32 participants was selected to represent the major categories of people relevant to the research. Everett Rogers’ famous analysis of ‘diffusion of innovations’ was one theoretical framework used to illuminate the findings; the other was digital divide factors in relation to banking choices. The findings include 1) that the major motivation for people to adopt Internet banking is convenience, closely linked to time savings and ease of accessibility, as well as confidence and skill in Internet use; and 2) that, at the time of the study, digital divide factors were playing an important part in banking choices.

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To Choose or Not to Choose: Exploring Australians' Views about Internet Banking

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