• Jinkook Lee
  • Jinsook Erin Cho
  • Fahzy Abdul-Rahman


Based on the 2004 Survey of Consumer Finances (SCF), this study identifies consumer segments left out in the adoption of e-banking technologies, such as ATMs, debit cards, direct deposits, and direct payments. While variations exist for each different type of e-banking technology, e-banking laggards tend to be older, less educated, divorced or separated, and less affluent. We also compare data from the 2004 SCF with data from 1995 to examine whether significant changes exist in the determinants of e-banking adoption over this 10-year period and report how the demographics of e-banking adoption have changed over time.


Direct Payment Direct Deposit Internet Banking Bank Market Debit Card 
These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.


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Copyright information

© Springer Science+Business Media, LLC 2008

Authors and Affiliations

  • Jinkook Lee
    • 1
  • Jinsook Erin Cho
  • Fahzy Abdul-Rahman
  1. 1.Department of Consumer SciencesOhio State UniversityColumbusUSA

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