Reach Us +44-175-271-2024
All submissions of the EM system will be redirected to Online Manuscript Submission System. Authors are requested to submit articles directly to Online Manuscript Submission System of respective journal.

Research Article Open Access

Internet Banking Adoption Factors in Finland


This paper finds out factors which have defined consumers' adoption of Internet banking in Finland. Finland is a world leader in electronic banking, and over 39.8 percent of all the banking transactions were made over the Internet. Using the data of a large survey, we develop a cognitive model of the factors which affect the adoption of Internet banking. Prior technology experience, personal banking experience, reference group influence, and security concerns are found to be the main factors, and demographic characteristics and overall perceptions about Internet banking were found to have a significant effect on the adoption.

Minna Mattila, Heikki Karjaluoto,and Tapio Pento

To read the full article Download Full Article | Visit Full Article