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Comparing Consumer Resistance to Mobile Banking in Finland and Portugal

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e-Business and Telecommunications (ICETE 2008)

Part of the book series: Communications in Computer and Information Science ((CCIS,volume 48))

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Abstract

This study compares two distinct European countries namely Finland and Portugal in terms of consumer resistance to mobile banking services. We explored how the five adoption barriers namely usage, value, risk, tradition and image, derived from the earlier literature, differ between these two countries. Using an Internet questionnaire a total of 3.597 usable responses was collected. A confirmatory factor analysis was implemented with SEM to build the constructs’ latent score levels. Using non-parametric difference tests we concluded that the resistance is significantly lower among the Portuguese online bank customers in terms of four out of the five barriers. The results can be used for a better understanding and enhancement of adoption of this specific case of mobile communication.

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Author information

Authors and Affiliations

  1. Department of Economics and Business Administration, University of Joensuu, P.O. Box 111, FI-80101, Joensuu, Finland

    Tommi Laukkanen

  2. Instituto Superior de Gestão, Rua Vitorino Nemésio, 5, 1750-306, Lisbon, Portugal

    Pedro Cruz

Authors
  1. Tommi Laukkanen
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  2. Pedro Cruz
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Editor information

Editors and Affiliations

  1. Departament of Systems and Informatics, Polytechnic Institute of Setúbal – INSTICC, Rua do Vale de Chaves - Estefanilha, 2910-761, Setúbal, Portugal

    Joaquim Filipe

  2. Department of Computer Science, West Long Branch,, Monmouth University, 07764, NJ, U.S.A.

    Mohammad S. Obaidat

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© 2009 Springer-Verlag Berlin Heidelberg

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Laukkanen, T., Cruz, P. (2009). Comparing Consumer Resistance to Mobile Banking in Finland and Portugal. In: Filipe, J., Obaidat, M.S. (eds) e-Business and Telecommunications. ICETE 2008. Communications in Computer and Information Science, vol 48. Springer, Berlin, Heidelberg. https://doi.org/10.1007/978-3-642-05197-5_6

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  • DOI: https://doi.org/10.1007/978-3-642-05197-5_6

  • Publisher Name: Springer, Berlin, Heidelberg

  • Print ISBN: 978-3-642-05196-8

  • Online ISBN: 978-3-642-05197-5

  • eBook Packages: Computer ScienceComputer Science (R0)

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