The relationship between the adoption of Internet banking and electronic connectivity: - An international comparison

Abstract

This paper is concerned with the relationship between the adoption rate of Internet banking and electronic connectivity. Electronic connectivity is measured using three components: personal computer connectivity, Internet connectivity and mobile phone connectivity. Regression is used to analyse these relationships for a sample of developed and developing economies. The results indicate that changes in electronic connectivity, however defined, have a significant impact on the adoption rate of Internet banking. The most significant influence on the adoption rate of Internet banking would appear to be the increase in the percentage of the population owning personal computers.

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