Internet Banking
Theoretical & Strategic Perspective


Shumaila Yousafzai, Cardiff University, UK
Khalid S. Soliman, Hofstra University, USA

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The banking sector occupies a critical position in the global economy. In the recent years a fundamental force for change in the financial services sector is information technology (IT), which is breaching geographical, industrial, and regulatory barriers, creating new products, services, market opportunities, and developing more information and system oriented business and management processes. Coupled with innovative business thinking, technology is rapidly changing the way personal financial services are designed and delivered. The famous quote by Bill Gates that banking is vital to a healthy economy but banks themselves are not, highlights the crucial nature of the electronic forces that are affecting the banks more than any other sector. The question arises as to whether this sector will be able to take advantage of new significant opportunities resulting from these developments, or whether it will have to struggle to maintain its current principal role in the economy?

The market for internet banking is forecast to grow sharply in the coming years, affecting the competitive advantage enjoyed by the traditional banks. Growth of the internet, customer comfort with technology, and demographics (younger persons in higher income groups), combined with low cost PC and internet banking solutions, have made that expansion inevitable. The banks have begun to realize that although the internet is simply a delivery channel it is nevertheless an extremely powerful one. Banks, however, must face the fact that technological developments are nothing unless the customers both like and want them. Thus, there will be little return from these investments if customers fail to accept or fully utilise its capabilities. It has become crucial for the banks to understand who specifically is adopting and utilizing this new commercial technology and why. An understanding of important user characteristics and the interactions of these characteristics with internet banking procedures will help the banks to predict the users of this new technology. Theoretically sound and empirically tested models can assist banks and their managers as they strive to understand which customers will accept and use the new technology, and why these particular customers are poised to adopt the new procedures.


This book is intended to explore a wide range of business and research topics that fall within the broad description of activities, challenges, innovations and implications associated with banking industry in the internet landscape. By taking a multi-disciplinary perspective this book aims to become a knowledge-repository capable of informing practitioners and academics interested in understanding the factors that predict and inhibit the acceptance of internet banking. This timely book will provide rich insight into one of the most important sector of online-service environment and thus make considerable contribution to both theory and practice.

We welcome both theoretical works and empirical studies based on case-studies or surveys. Topics of interest include, but are not limited to:

• Theoretical foundations and taxonomies of electronic markets for internet banking compared with electronic markets in general
• Application of consumer behaviour theories to the internet banking perspective
• examining the gap between consumer’s technology readiness and internet banking technology
• Cross-cultural and social differences in acceptance of internet banking
• Trust, security and privacy issues in internet banking
• Examining various accepts of perceived risk (performance, financial, time, psychological, and social risk) and its impact on the acceptance of internet banking
• Evaluations or impact analysis of the diffusion of electronic markets in relation to the performance of internet banking

Contributions are not limited to the above topics and related salient topics will also be considered.  The acceptance of papers will be based on their relevance and conceptual clarity.

Submission Procedure

Researchers and practitioners are invited to submit full papers and research in progress papers to IBIMA conference.  Submitted Papers/case studies will be discussed in 10th IBIMA Conference.  http://www.ibima.org

Only submitted paper for IBIMA Conferences (regular paper or virtual paper) will be considered for this book.  Authors of accepted paper will have the opportunity to have their papers published in the conference proceedings with ISBN and, after revision and editing, as a book chapter.  Authors will be notified at the conference.  All submission procedure will follow 10th IBIMA Submission procedure http://www.ibima.org/Malaysia2008/callpaper.html


Publication date is in Fall 2008

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