e-banking culture: A comparison of EU 27 countries and Portuguese case in the EU 27 retail banking context

Jaime R.S. Fonseca

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e-banking culture: A comparison of EU 27 countries and Portuguese case in the EU 27 retail banking context

机译：电子银行文化：欧盟27国和葡萄牙在27国零售银行业背景下的比较

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The aim of this research is two-fold. Firstly we conducted a wise comparative analysis of EU 27 countries and secondly we identified distinct e-banking user segments of Portuguese citizens. We used a questionnaire for data collection (n=2358) and Latent Class Models (LCM) for data analysis. LCM revealed three segments in EU 27 (Portugal is in the poorest cluster, concerning the indicators used, with Greece, Spain and Cyprus) and two e-banking user segments in Portuguese citizens: Those who do not risk (49%), and Those who risk (51%). Our findings enable e-banking managers for taking appropriate strategic decisions.

机译：这项研究的目的是双重的。首先，我们对欧盟27个国家/地区进行了明智的比较分析，其次，我们确定了葡萄牙公民不同的电子银行用户群。我们使用调查表进行数据收集（n = 2358），使用潜在类模型（LCM）进行数据分析。 LCM揭示了欧盟27国中的三个细分市场（与使用的指标有关，葡萄牙是最贫困的群体），以及希腊公民中的两个电子银行用户细分：不冒险的用户（49％）和谁冒（51％）的风险。我们的发现使电子银行经理能够做出适当的战略决策。

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来源
《Journal of retailing and consumer services》 |2014年第5期|708-716|共9页
作者
Jaime R.S. Fonseca;
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作者单位

University of Lisbon, Institute for Social and Political Sciences, CAPP - Centre for Public Administration and Policies, Rua Correia Garcao, no. 9, 2790-331 Queijas, Portugal;

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原文格式 PDF
正文语种 eng
中图分类
关键词
e-commerce; e-banking; Retail banking; e-banking risk; e-bank customers; Latent Class Models;

机译：电子商务;电子银行;零售银行;电子银行风险;电子银行客户;潜在类模型;

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e-banking culture: A comparison of EU 27 countries and Portuguese case in the EU 27 retail banking context

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