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- Title
AN EMPIRICAL ANALYSIS OF FACTORS AFFECTING THE ADOPTION OF ELECTRONIC BANKING IN MACEDONIA: A LOGIT MODEL.
- Authors
Bucevska, Vesna; Bucevska, Jasmina
- Abstract
Although electronic banking has become an increasingly widespread banking channel in the world in the last years, its rate of adoption by the Macedonian retail banking customers remains still low. The purpose of this paper is to investigate the factors influencing the adoption of the electronic banking (e-banking) service of the biggest and leading Macedonian commercial bank - Komercijalna banka AD Skopje and to identify the key determinants among them. To achieve this goal we developed a binomial logit model. The findings indicate that the demographic factors, age and education, are the key determinants of adoption of e-banking by the retail customers of Komercijalna banka. Furthermore, the obtained results will have important practical implications for the Macedonian banking sector and also for the government since both will be aware of the key factors that should be taken into account to foster the usage of e-banking service and thus reaping out its benefits.
- Publication
Advances in Business-Related Scientific Research Journal, 2013, Vol 4, Issue 1, p27
- ISSN
1855-931X
- Publication type
Academic Journal