• 「Arachne」 Susanto, A., Lee, H., Zo, H., and Ciganek, A.P. (2013) “Factors affecting Internet banking success: A comparative investigation between Indonesia and South Korea,” Journal of Global Information Management, Vol. 21, No. 2, pp. 72-95.

    Lab: Arachne

    Professor: Hangjung Zo

    Title: Factors affecting Internet banking success: A comparative investigation between Indonesia and South Korea

    Authors: Aries Susanto, Hwansoo Lee, Hangjung Zo, Andrew P. Ciganek

    Journal: Journal of Global Information Management

    Publish: 2013

    Abstract:

    Internet banking is a prominent example of Internet-based applications. Previous research has found that satisfaction, trust, commitment, and loyalty are important factors for Internet banking success. Resistance to adopt Internet banking is often attributed to the role of trust, security, and privacy in e-commerce systems. This study proposes a framework to examine behaviors toward Internet banking services in Indonesia and South Korea. A research model was empirically tested with data captured in a large-scale study. The results show that Indonesians’ use of Internet banking is strongly influenced by perceived security, while Koreans use of Internet banking is strongly influenced by privacy concerns. Trust and user satisfaction have a greater influence on loyalty for Indonesians while commitment has a greater influence on loyalty for Koreans. The study develops related conclusions including a discussion of the research implications.

    DOI: 10.4018/jgim.2013040104

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