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An Empirical Investigation of the Influence of the Pandemic on Albanian Internet Banking Service Usage

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Artificial Intelligence for Sustainable Finance and Sustainable Technology (ICGER 2021)

Part of the book series: Lecture Notes in Networks and Systems ((LNNS,volume 423))

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Abstract

This paper aims to analyse the pandemic impact on internet banking services offered to Albanian customers. We will examine the online banking environment and the latest trends in Albania based on secondary data from the Bank of Albania reports. Based on a focus group interview with banking customers, we used some variables from the technology acceptance model (TAM), indicating the pandemic impact on online banking services acceptance and usage among private banking customers in Albania. The study utilized a questionnaire design based on a 7-point scale to obtain primary data from a sample (n = 384). Our results show that age, education, income level, perceived credibility, and safety are essential factors that influence its use. Perceived usefulness, perceived ease of use, and gender were not significant. The findings will be helpful to both scholars and practitioners seeking to understand the pandemic effect’s challenges.

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Notes

  1. 1.

    https://www.bankofalbania.org/Payments/Payment_systems_statistics/.

  2. 2.

    https://sdgs.un.org/2030agenda.

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Authors and Affiliations

  1. Leo J. Meehan School of Business, Stonehill College, Easton, MA, USA

    Oltiana Muharremi Pelari

  2. Albanian Customs Administration, Patos, Albania

    Meleq Hoxhaj

Authors
  1. Oltiana Muharremi Pelari
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  2. Meleq Hoxhaj
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Correspondence to Oltiana Muharremi Pelari .

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Editors and Affiliations

  1. Accounting, Finance and Banking Department, College of Business and Finance, Ahlia University, Manama, Bahrain

    Abdalmuttaleb M. A. Musleh Al-Sartawi

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Pelari, O.M., Hoxhaj, M. (2022). An Empirical Investigation of the Influence of the Pandemic on Albanian Internet Banking Service Usage. In: Musleh Al-Sartawi, A.M.A. (eds) Artificial Intelligence for Sustainable Finance and Sustainable Technology. ICGER 2021. Lecture Notes in Networks and Systems, vol 423. Springer, Cham. https://doi.org/10.1007/978-3-030-93464-4_15

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