Testing the Homogeneity of Non-Adopters of Internet Banking

Abstract

Non-adopters of internet banking is not a homogenous group.In this study, non-adopters are divided into two groups: prospective adopters and persistent nonadopters.The aim of this paper is to analyse how the two non-adopter groups differ with regard to usage, image, tradition, risk and value barriers.Factor analysis is used to categorize the data into five barriers.Independent samples t-tests are used to reveal the differences between prospective adopters and persistent non-adopters of internet banking.The results of this study reveal that persistent non-adopters show more resistance to internet banking in relation to usage, image, tradition, risk and value barriers.The p-values indicate that the value barrier differentiates the groups the most, followed by usage, image, risk and tradition barriers.The results highlight the fact that psychological barriers are a greater cause of resistance than functional barriers.

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