Volume 3, Number 1


Adoption of internet banking among the educated customers: role of internet usage
Shambare, R.

This study seeks to examine the role of Internet experience as a component of familiarity, and how this construct influences the adoption of Internet banking services among the highly educated consumers in South Africa. A survey, in which postgraduate MBA students participated, was conducted. Descriptive analysis and principal components analysis was used. Overall, results show some congruence with previous studies, and suggest a strong relationship between Internet usage and adoption of Internet banking. In other words, Internet familiarity was found to be an important determinant for adoption. The results and implications are presented within the context of existing literature.

Keywords: Electronic banking; Familiarity; Internet; Internet banking; Internet experience; South Africa