Research Aims and Hypotheses

1
Research Aims and Hypotheses

• Objectives
• Verify the reliability of services
• Investigate subjects awareness and use about
  e-banking
• Investigate subjects e-banking attitudes
• Hypotheses
• Verify the existence of a significant difference
  in e-banking behaviour between young and older
  adults.
• Verify the correlation between Likert scale and
  differential semantic.

2
Subjects

• The group is composed of 300 subjects, (104 male
  and 96 female), mean 37 years in age with a range
  of 19-74.
• The group was interviewed in centre and south
  Italy, with 35.5 residing in Lazio and nearly
  20 residing in Sicily.
• Referred to education area, 9 subjects had only a
  middle school education, 89 a high school
  education, and 102 had graduated from university.

3
Instruments

• The questionnaire is composed of four sections
• Knowledge and use of e-banking services
• Likert Scale attitudes
• Differential Semantic attitudes
• Social demographics

4
Results reliability

• Likert Scale e-banking attitudes a.75 (18
  items).
• Differential Semantic scale a.91 (12 items).
• The scales are reliables.

5
Results Knowledge

• Subjects claim that they know no at all the
  following services
• title trading (46)
• foreign wire transfers(46)
• Form F 24(40.5)
• Subjects claim that they know a lot the
  following services
• bill pay (53)
• mobile recharge (50)
• online purchases(48)

6
Results use

• Subjects declaim that they have used never the
  following services
• title trading (51)
• foreign wire transfers(50)
• form F 24
• Subjects claim to use often or always the
  following services
• bill pay (42.5)
• bank statement (38)
• online purchases (36.6)

7
Results Attitudes

• Likert scale about the attitudes presents a mean
  of 4.5, therefore it can be said that subjects
  show positive attitude referred to online banking
  services.
• Differential Semantic Scale shows the same trend,
  specifying that services are perceived as
  advantageous, positive, and useful.

8
Results ANOVA

• A ANOVA was conducted to verify the possible
  differences between age and attitude referred to
  online bank services the subjects were divided
  into three groups from 18 to 34, from 35 - 49,
  and from 50 to 75.
• The results show that there is a significant
  difference between groups (F(2, 197)lt 5,11).
• In particular, the post hoc shows that the
  difference exists between the younger (M4,65)
  and the older (M4,22).

9
Results correlations

• Finally we have calculated the correlation
  between Likert Scale and Differential Semantic
  Scale the score of .51 (with a significant level
  of 0,01) indicates that the two scales considered
  present a positive correlation.

10
Conclusions

• The Attitudes Scales (Likert and Differential
  Semantic) proved to be reliable.
• Generally subjects know and use primarily bill
  pay, bank statement and online purchasing
  services, while the lesser known and used
  services are F 24 forms and title trading.
• Subjects have a positive attitude about online
  banking services.
• The younger group presents a significantly more
  positive attitude compared to the older.

11
Strenght and Weakness

• Strenght
• Our results sustain the data of other recent
  researches conducted by respected institutions
  (Banca dItalia)
• The research has allowed to investigate a
  thematic very important but a little explored.
• Weakness
• Sample small number of subjects the interviews
  had realized especially in the south and centre
  Italy (not representative).
• Knowledge and use of the banking services online
  measured on ordinal scale.