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dc.contributor.authorDemirdogen O.
dc.contributor.authorYaprakli S.
dc.contributor.authorYilmaz M.K.
dc.contributor.authorHusain J.
dc.date.accessioned20.04.201910:49:12
dc.date.accessioned2019-04-20T21:44:51Z
dc.date.available20.04.201910:49:12
dc.date.available2019-04-20T21:44:51Z
dc.date.issued2010
dc.identifier.issn0892-7626
dc.identifier.urihttps://hdl.handle.net/20.500.12403/957
dc.description.abstractTechnological developments in electronics have lead to the introduction of technology-based self-service systems resulting in the reorganization of several industries offering their services in electronic format known as "e-service" - electorinic banking iscalled internet banking?. With increasingly easier access to the internet, even in developing countries like Turkey over 18 % of all banking customers already use Internet Banking actively. Customers usually perceive risks in conducting transactions electronically, and particularly if the transactions involve money. Risk perception can beof six different types: time risk, finacial risk, performance risk, psychological risk, safety risk & confidentiality risk. It is generally considered that risk perception could be higher for electronic banking services. This study aims to understand the extent to which this consideration is valid as well as to determine the levels of risk perception differences among those using Internet Banking and those not using it. A survey was conducted among 350 academic staffs andtheir responses were analyzed statistically. This study showed that while customers used Internet Banking for a variety of different purposes such as to determine account balance, transfer money, or to pay invoices, etc., there was a significant relationship between the income level of customers and their risk perceptions. An analysis of the differences in risk perceptions between bank customers using Internet Banking (IB) and those not using IB showed that risk perceptions in terms of financial, psychological and safety risks among customer not using IB was more pronounced than those using IB. Customers not preferring to use internet banking thought that they would be swindled when using this service, and therefore, were particularly careful about high risk expectation during money transfers from and between accounts.en_US
dc.language.isoengen_US
dc.rightsinfo:eu-repo/semantics/closedAccessen_US
dc.subjectCustomer perceptions
dc.subjectElectronic banking
dc.subjectInternet Banking
dc.subjectPerceived risks
dc.subjectRisks
dc.subjectCustomer perceptions
dc.subjectElectronic banking
dc.subjectInternet Banking
dc.subjectPerceived risks
dc.subjectRisks
dc.titleCustomer risk perceptions of internet banking - A study in turkeyen_US
dc.typearticleen_US
dc.relation.journalJournal of Applied Business Researchen_US
dc.contributor.departmentBayburt Universityen_US
dc.contributor.authorID36600324600
dc.contributor.authorID57208098827
dc.contributor.authorID55511216300
dc.contributor.authorID36600534300
dc.identifier.volume26
dc.identifier.issue6
dc.identifier.startpage57
dc.identifier.endpage68
dc.relation.publicationcategoryMakale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanıen_US


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