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BUSINESS AND ECONOMICS RESEARCH JOURNAL

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Article Information
Journal: Business and Economics Research Journal
Title of Article: Testing the Homogeneity of Non-Adopters of Internet Banking
Author(s): Berna Serener
Volume: 10
Number: 3(Special Issue)
Year: 2019
Page: 699-708
ISSN: 2619-9491
DOI Number: 10.20409/berj.2019.194
Abstract
Non-adopters of internet banking is not a homogenous group. In this study, non-adopters are divided into two groups: prospective adopters and persistent non-adopters. The aim of this paper is to analyse how the two non-adopter groups differ with regard to usage, image, tradition, risk and value barriers. Factor analysis is used to categorize the data into five barriers. Independent samples t-tests are used to reveal the differences between prospective adopters and persistent non-adopters of internet banking. The results of this study reveal that persistent non-adopters show more resistance to internet banking in relation to usage, image, tradition, risk and value barriers. The p-values indicate that the value barrier differentiates the groups the most, followed by usage, image, risk and tradition barriers. The results highlight the fact that psychological barriers are a greater cause of resistance than functional barriers.

Keywords: Internet banking, Non-adopters, Barriers, Homogeneity

JEL Classification: G21, L81, M31

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