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Studies on adoption of new technologies have focused mainly on the behvaiour of adoption and on effciency gains from advancement in the state of technology. The contention of this study is that it is more appropriate to regard the adoption of technology in the banking industry in dual aspects by banks and by customers, given the intermediary role of banks. Despite growing interest in e-Commerce and financial activities, consumer choice decisions as to whether to adopt banking on the Internet has not been fully investigated in the literature. Applying data from Korea on the adoption of on-line banking, the study evaluates consumer characteristics that addect the adoption decision. The study focuses insight on whether the time value perceived by consumers affects their adoption decision to banking on the Internet, introducing decision criteria. The study furnishes helpful information for managers in the banking industry, regarding customer characteristics of trust and risk factors that determine adoption of banking on the Internet.

Time value of the Internet banking adoption and customer trust