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Factors Affecting Internet Banking Success: A Comparative Investigation between Indonesia and South Korea

Factors Affecting Internet Banking Success: A Comparative Investigation between Indonesia and South Korea

Aries Susanto, Hwansoo Lee, Hangjung Zo, Andrew P. Ciganek
Copyright: © 2013 |Volume: 21 |Issue: 2 |Pages: 24
ISSN: 1062-7375|EISSN: 1533-7995|EISBN13: 9781466631922|DOI: 10.4018/jgim.2013040104
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MLA

Susanto, Aries, et al. "Factors Affecting Internet Banking Success: A Comparative Investigation between Indonesia and South Korea." JGIM vol.21, no.2 2013: pp.72-95. http://doi.org/10.4018/jgim.2013040104

APA

Susanto, A., Lee, H., Zo, H., & Ciganek, A. P. (2013). Factors Affecting Internet Banking Success: A Comparative Investigation between Indonesia and South Korea. Journal of Global Information Management (JGIM), 21(2), 72-95. http://doi.org/10.4018/jgim.2013040104

Chicago

Susanto, Aries, et al. "Factors Affecting Internet Banking Success: A Comparative Investigation between Indonesia and South Korea," Journal of Global Information Management (JGIM) 21, no.2: 72-95. http://doi.org/10.4018/jgim.2013040104

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Abstract

Internet banking is a prominent example of Internet-based applications. Previous research has found that satisfaction, trust, commitment, and loyalty are important factors for Internet banking success. Resistance to adopt Internet banking is often attributed to the role of trust, security, and privacy in e-commerce systems. This study proposes a framework to examine behaviors toward Internet banking services in Indonesia and South Korea. A research model was empirically tested with data captured in a large-scale study. The results show that Indonesians’ use of Internet banking is strongly influenced by perceived security, while Koreans use of Internet banking is strongly influenced by privacy concerns. Trust and user satisfaction have a greater influence on loyalty for Indonesians while commitment has a greater influence on loyalty for Koreans. The study develops related conclusions including a discussion of the research implications.

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