abstract
Electronic banking, including online banking, is a necessary condition for the development of e-business and esociety. The aim of the article is to identify the factors exerting an influence on the use of online banking in Poland. A “Social Diagnosis” research project, which the Board of Social Monitoring operating at the University of Finance and Management inWarsaw carried out in 2015, serves as the source of empirical material for the purposes of the present article. Linear regression analysis demonstrates that the factors which mostly determine the employment of online banking are: the use of the Internet, taking advantage of other banking products as well as trust in commercial banks. The banking products that have the biggest influence on the use of online banking are mortgages and credit cards.
6. Contributions
The article contributes to the development of the literature concerned with electronic banking by providing knowledge on the factors that seem to produce impact on the acceptance of online banking on the emerging market in Poland. As research by Yuen, Yeow, and Lim (2015) demonstrates, users of online banking differ from non-users depending on the country of residence. In Poland, research on the factors influencing adoption of online banking is lacking. Apart from the study entitled Social Diagnosis, no such large-scale research has yet allowed to analyze, among others, the factors that exert influence on the use of online banking. Statistical analysis of the factors determining the use of online banking in the Polish society has been possible owing to examination of a large sample. The findings provide managers with information about which banking services determine the use of online banking the most. The results also illustrate which banking services the users of online banking most typically select and shows to whom banks should direct their offer.
