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August 21, 2009 (updated August 31, 2009) European Online Banking Holdouts Want Security GuaranteesNet Users Still Need Security Guarantees And Incentives To Bank Onlineby Alexander Hesse, Lauriane Camus with Benjamin Ensor, Kate van Geldern, Brendan McGowan |
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This is an excerpt
Executive Summary
More than half of Western Europeans who use the Internet regularly — about 92 million — bank online. Thirty-two percent of European adults could bank online but don't do so — or have stopped doing so. Typically, these online banking holdouts mention security fears and satisfaction with existing banking channels as the main reasons that they don't bank online. Nearly 40% of these holdouts also say that nothing would persuade them to bank online. The remainder of them says that security-related measures and financial incentives such as earning higher interest for using online banking would encourage them to adopt online banking. Because no single incentive will persuade a majority of holdouts to use Internet banking, eBusiness executives who want to increase online banking adoption need to use a mix of incentives to encourage holdouts to bank online.
TABLE OF CONTENTS
- Satisfaction With Existing Channels And Security Fears Put Online Banking Off
- Online Banking Holdouts Need Security And Incentives To Bank Online
RECOMMENDATIONS
- eBusiness Executives Need A Mix Of Incentives To Encourage Online Banking
- Supplemental Material
- Related Research Documents
This is an excerpt
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