Empirical Analysis of Internet Banking Adoption in Poland

This paper seeks to identify empirically the factors underlying the decision to adopt online banking in Poland. The sample used in this study is based on 3519 interactive questionnaires completed by Internet users. The decision of whether to adopt Internet banking services is linked, via Binomial Logistic Regression, to numerous explanatory variables, such as perceived security of online transactions, Internet experience, marketing exposure, use of other banking products and socio-demographic characteristics. The results presented here can be of assistance to banks and provide useful insights with regard to market segmentation, security and strategies fostering the acceptance of online banking.

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