Open Access Subscription Access
Electronic Banking, its Use and Safety. are there Differences in the Access of Bank Customers by Gender, Education and Age?
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.
Commercial Banks, Electronic Banking, the Use of Electronic Banking, Electronic Banking Security, Gender, Education, Age.
- Belas, J. et al. (2010) Management komercnych bank, bankovych obchodov a operacii. Zilina: Georg.
- Belas, J., Cipovova, E., Demjan, V. (2014) Current trends in area of satisfaction of banks clients in the Czech Republic and Slovakia. Transformation in Business & Economics, Vol. 13, No 3(33), pp. 219 – 234.
- Dhillon, G., Torkzadeh, G. (2006) Values-focused assessment of information system security in Organizations. Information Systems Journal, Vol. 16, No. 3, pp. 293 – 314.
- Ernst & Young. (2012) Nova era bankovnictvi. Cesti klienti chteji, aby banky vysly vice vstric jejich potrebam. Retrieved from http://www.ey.com/CZ/cs/Newsroom/News releases/2012_Nova-era-bankovnictvi.
- Fatima, A. (2011) E-Banking Security Issues – Is There A Solution in Biometrics? Journal of Internet Banking and Commerce, 16(2): 1 – 9
- Featherman, M. S., Pavlou, P. A. (2003) Predicting e-services adoption: A perceivedrisk facets perspective. International Journal of Human-Computer Studies, Vol. 59, No. 4, pp. 451 – 474.
- Furnell, S., Bryant, P., Phippen, A. (2007) Assessing the Security Perceptions of Personal Internet Users. Computers & Security, Vol. 26, No. 5, pp. 410 – 417.
- Grabner-Krauter, S., Faullant, R. (2008) Consumer acceptance of internet banking: the influence of internet trust. International Journal of Bank Marketing, Vol. 26, No. 7, pp. 483 – 504.
- Hoffmann, A. O. I., Birnbrich, C. (2012) The impact of fraud prevention on bank-customer relationship. International Journal of Bank Marketing, 30(5): 390 – 407.
- Chen, R. F., Hsiao, J. L., Hwang, H. G. (2012). Measuring customer satisfaction of Internet banking in Taiwan: scale development and validation. Total Quality Management, 23(7): 749 – 767.
- Chu, P. Y., Lee, G. Y., Chao, Y. (2012) Service quality, customer satisfaction, customer trust, and loyalty in an e-banking context. Social behavior and personality, 40(8): 1271 – 1284.
- Internet live stats. (2014) Internet Users. [online] [cit: 2015-7-13] Retrieved from http://www.internetlivestats.com/internet-users/.
- Kaspersky Lab (2014) The Great Bank Robbery: Carbanak cybergang steals $1bn from 100 financial institutions worldwide. Retrieved. from http://www.kaspersky.com/about/news/virus/2015/Carbanak-cybergang-steals-1-bnUSD-from-100-financial-institutions-worldwide.
- Koskosas, I. (2011) E-banking security: A communication perspective in Risk management. Palgrave Macmillan, Vol. 13, pp. 81 – 99.
- Kruck, S. E., Gottovi, D., Moghadami, F., Broom, R., Forcht, K. A. (2002) Protecting personal privacy on the internet. Information Management & Computer Security, Vol. 10, No. 2, pp. 77 – 84.
- Lee, M. (2009) Factors influencing the adoption of Internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, Vol. 8, No. 3, pp. 130 – 141.
- Marimon, F., Yaya, L. H. P., Fa, M. C. (2012) Impact of e-Quality and service recovery on loyalty: A study of e-banking in Spain. Total Quality Management, 23(7): 769 – 787.
- Nochai, R., Nochai, T. (2013) The impact of Internet Banking Service on Customer Satisfaction on Thailand: A Case Study in Bangkok. International Journal of Humanities nad Management Sciences, 10(1): 2320 – 2344.
- Omariba, Z.B., Masese, N. B., Wanyembi, G. (2012) Security and privacy of electronic banking.
- International Journal of Computer Science Issues, 9(3): 432 – 446.
- Poloucek, S. a kol. (2013) Bankovnictvi. 2. vydani. Praha: C. H. Beck.
- Rezankova, H. (2007) Analyza dat z dotaznikovych setreni. 1.vyd. Praha: Professional Publishing.
- Shazmeen, S., F., Prasad, S. (2012) A Practical Approach for Secure Internet Banking based on Cryptography. International Journal of Scientific and Research Publications, 2(12): 1 – 6.
- Sysakova, V., Slahor, L. (2010) Peniaze a bankovníctvo. Bratislava : Kartprint.
- Yoon, H., Occena, L. (2014) Impacts of customers ' perceptions on internet banking use with a smart phone. Journal of Computer Information Systems, Vol. 54, No. 3, pp. 1 – 9.
- Yoon, H. S., Steege, L. M. (2013) Development of a quantitative model of the impact of customers’ personality and perceptions on Internet banking use. Computers in Human Behavior, Vol. 29, No. 3, pp. 12 – 29.
- Tkacova, D. et al. (2009) Financne trhy a bankovnictvo. Žilina: Georg. http://www.socscistatistics.com/tests/chisquare2/Default2.aspx http://www.socscistatistics.com/tests/ztest/Default2.aspx.
Abstract Views: 127
PDF Views: 36