Environmental Implications of Agricultural Externality: Policy for Socially Optimal Output

Journal of Quantitative Economics - Agriculture externality is caused not only by the presence of a hydrological contamination (a state variable) but also by the method of application of...     

Multi-dimensional role of trust in Internet banking adoption

Trust has been identified as the key to e-commerce because it is crucial wherever uncertainty and interdependence exist. The strong association between a high level of trust and the banking sector has not yet been fully translated in the electronic world. The aim of this article is to develop and validate a multi-dimensional model of trust for Internet banking. The data are collected through 441 Internet banking users of Halifax Bank of Scotland. Findings suggest that trust and perceived risk are direct antecedents of intention, and trust is a multi-dimensional construct with three antecedents: perceived trustworthiness, perceived security, and perceived privacy.     

Adoption of Online Social Networks to Communicate with Financial Institutions

Spain's financial sector is not in a healthy state, and the problems that some financial institutions currently face perpetuate the widespread perception of risk across the entire sector. Moreover, the online social networks (OSN) that emerged a decade ago are suddenly at the very heart of digital society. In this study we develop a predictive model to determine that the motivational factors that influence Spanish users' intention to use OSN to communicate with financial institutions are quality management, availability of information, external conditions, trust, perceived compatibility, perceived usefulness, attitude, and intention. Data were collected from 335 Spanish OSN users through an online survey. The results suggest that quality management has a highly significant and positive effect on perceived usefulness and that perceived usefulness has a positive and significant effect on the intention to use social networks to communicate with financial institutions.     

A literature review of theoretical models of Internet banking adoption at the individual level

How and why individuals use Internet banking (IB) has attracted a great deal of academic attention. This article reviews the IB literature through the lenses of nine adoption theories. The review suggests that IB adoption is a complex and multifaceted process, and a joint consideration of customers’ personal, social, psychological, utilitarian and behavioural aspects is more important than adoption itself and will ultimately result in the intended behaviour. Therefore, managers and system developers should undertake a customer-centric approach focusing on managing belief formation rather than directly influencing behaviour. The review also concludes that IB research is in an inconclusive state, and is far from unanimamous regarding the approaches and conceptualizations used to understand the beliefs that truly influence IB behaviour. There is limited research dealing with the role of interventions that can assist managers in making effective decisions to speed the adoption process.