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Electronic Banking, its Use and Safety. are there Differences in the Access of Bank Customers by Gender, Education and Age?


Affiliations
1 Department of Enterprise Economics, Tomas Bata University in Zlin, Mostní 5139, 760 01 Zlin, Czech Republic
2 Pan-European University, Tematinska 10, 851 05 Bratislava, Slovakia
3 Department of Enterprise Economics, Tomas Bata University in Zlin, Mostní 5139, 760 01 Zlin, Czech Republic
 

Electronic banking is an important area of banking activities, under which the commercial banks try to retain existing clients or attract new customers through a better quality of service and decrease in prices of these services. The aim of the article was to examine selected attributes of security and the use of electronic banking and quantify differences in approach of the bank customers by gender, education and age. Our research confirmed that the dominant part of banking customers use electronic access when managing their personal finances. We found out that there are some differences in the approach of the bank customers in terms of their education. The customers with higher education to a greater extent and more intensively use electronic banking. In the safety area, we did not find any significant differences between banking clients by gender, education and age. The only exception is the finding that clients up to 35 years are significantly more confident in the use of electronic banking through public networks.

Keywords

Commercial Banks, Electronic Banking, the Use of Electronic Banking, Electronic Banking Security, Gender, Education, Age.
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  • Electronic Banking, its Use and Safety. are there Differences in the Access of Bank Customers by Gender, Education and Age?

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Authors

Jaroslav Belas
Department of Enterprise Economics, Tomas Bata University in Zlin, Mostní 5139, 760 01 Zlin, Czech Republic
Michal Koraus
Pan-European University, Tematinska 10, 851 05 Bratislava, Slovakia
Lenka Gabcova
Department of Enterprise Economics, Tomas Bata University in Zlin, Mostní 5139, 760 01 Zlin, Czech Republic

Abstract


Electronic banking is an important area of banking activities, under which the commercial banks try to retain existing clients or attract new customers through a better quality of service and decrease in prices of these services. The aim of the article was to examine selected attributes of security and the use of electronic banking and quantify differences in approach of the bank customers by gender, education and age. Our research confirmed that the dominant part of banking customers use electronic access when managing their personal finances. We found out that there are some differences in the approach of the bank customers in terms of their education. The customers with higher education to a greater extent and more intensively use electronic banking. In the safety area, we did not find any significant differences between banking clients by gender, education and age. The only exception is the finding that clients up to 35 years are significantly more confident in the use of electronic banking through public networks.

Keywords


Commercial Banks, Electronic Banking, the Use of Electronic Banking, Electronic Banking Security, Gender, Education, Age.

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DOI: https://doi.org/10.15759/ijek%2F2015%2Fv3i2%2F85641