Article2019

Determinants of Technology Adoption: Evidence from the Chinese Banking Industry

Dongwei He · Kai You · Wenqing Li · Jun Wu

18 citations0/0 files storedEmerging Markets Finance and Trade

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Digital Transformation in Financial Services Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance

Abstract

The decision on online banking adoption is a strategic choice by banks with multiple purposes. Using panel data on banks with hand-collected information on adoption decisions from 2002 to 2016, this article is the first to examine the determinants of online banking adoption in China. We first construct a theoretical model to illustrate banks’ online service adoption strategy and then test the determinants of online banking adoption decisions. Our model compares the patterns of online banking adoption decisions at large national banks and small banks. The model and empirical results show that banks with a larger geographic market adopt online banking earlier, and banks’ online banking adoption may be motivated by having competitors that have already adopted this technology. We also find evidence that online banking is a substitute for physical branches. Our results shed light on the banks’ effective management of online and offline services.

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References

2001Econometric Analysis of Cross Section and Panel Data 1993Rank, Stock, Order, and Epidemic Effects in the Diffusion of New Process Technologies: An Empirical Model 1984The Determinants of Technology Adoption: The Case of the Banking Firm 2006How the Internet affects output and performance at community banks 1982Adoption and diffusion of an innovation of uncertain profitability 2013Who said large banks don’t experience scale economies? Evidence from a risk-return-driven cost function 2006Is the Internet delivery channel changing banks’ performance? The case of Spanish banks 1985Information Acquisition and the Adoption of New Technology

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