Factors affecting the adoption of Internet Banking in Hong Kong: implications for the banking sector

Chi Shing Yiu, Kevin Grant, David Edgar

    Research output: Contribution to journalArticlepeer-review

    302 Citations (Scopus)


    The rapid development of Internet and Electronic Business has stimulated the banking and financial sectors towards encouraging customers to bank on-line. This paper explores the adoption of Internet Banking by retail customers in Hong Kong. The paper attempts to make sense of Internet Banking in Hong Kong from three angles: (i) the current adoption rate of Internet Banking; (ii) the influences of perceived usefulness, perceived ease of use, perceived risk and personal innovativeness in information technology and (iii) the potential impacts on the strategic activity of banking organisations operating in the Hong Kong market. The research constructs were developed based on the Technology Acceptance Model and incorporated two additional elements of personal innovativeness and perceived risk. Hypotheses were constructed and then tested using t-test and Pearson's correlation. It was found that certain factors did have a positive relationship with the adoption of Internet Banking and as such strategy in the banking services sector can be refined to better meet the demands and profile of the Hong Kong market. © 2007 Elsevier Ltd. All rights reserved.
    Original languageEnglish
    Pages (from-to)336-351
    Number of pages16
    JournalInternational Journal of Information Management
    Issue number5
    Early online date15 Aug 2007
    Publication statusPublished - Oct 2007


    • Competitive advantage
    • E-business
    • Hong Kong
    • Internet banking
    • Strategy
    • Finance
    • Innovation
    • Internet
    • Strategic planning
    • Electronic commerce


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