Understanding consumer adoption of internet banking : an interpretive study in the Australian banking context

This paper reports key findings from an interpretive study of Australian banking consumer experiences with the adoption of internet banking. The paper provides an understanding of how and why specific factors affect the consumer decision whether or not to bank on the internet, in the Australian context. A theoretical framework is provided that conceptualizes and links consumer-oriented issues influencing adoption of internet banking. The paper also provides a set of recommendations for Australian banks. Specifically, the findings suggest that convenience is the main motivator for consumers to bank on the internet, while there is a range of other influential factors that may be modulated by banks. The findings also highlight increasing risk acceptance by consumers in regard to internet-based services and the growing importance of offering deep levels of consumer support for such services. Gender differences are also highlighted. Finally, the paper suggests that banks will be better able to manage consumer experiences with moving to internet banking if they understand that such experiences involve a process of adjustment and learning over time, and not merely the adoption of a new technology.

Stakeholder involvement in the EMS adoption process

This paper summarises the findings of the qualitative part of a large study aimed at exploring the extent of involvement of organisational stakeholders (employees and suppliers) during the environmental management system (EMS) adoption process. Interviews with nine senior/middle managers from Australian manufacturing and service organisations revealed the growing awareness of the impact of their products and processes on the ecological and social environments. Moreover, implementation of an EMS or waste management system (WMS) is accepted as a learning curve by both the organisation and its stakeholders, including its employees. Organisations at the same time are also contemplating the need for certifying their existing EMS against international standards such as ISO 14001 based on the cost-benefits resulting from the certification.

Adoption of the world wide web by traditional Australian media organisations

The aim of this paper is it to identify whether Australian media companies moved online with a clear business model in mind or in an ad-hoc manner. In-depth interviews were conducted with four Internet media managers from two large Australian media organisations. All four had been involved in Web publishing from its early stages and had extensive knowledge of the development of Web publishing in the industry. The interviews focused on the period around the mid 1990’s when the early development of the organisations’ websites took place. We also review an analytical approach of examining narratives from research interviews developed by Davidson (Davidson 1997) and Mishler (Mishler1986a, 1986b).

Using the juster scale to predict adoption of an innovative product

The Juster scale - a simple, self-reported measure of purchase probability, has been shown to be effective in predicting consumers' future purchasing behaviours. Purchase probability scales have often been shown to be better predictors of future behaviour than purchase intentions measures, the more widely used method. The vast majority of studies though have used the scale to predict the purchase of products or services the consumer is already familiar with. This research looks at how accurately the Juster scale can predict early adoption of an innovative new product prior to its’ launch. In a longitudinal study of market behaviour, these predictions are compared to actual adoption rates. The results show that there is only a moderate level of correlation between purchase probability scores and actual adoption behaviour, in both the short and long term, but they are better than intention measures. The main difficulty in predicting adoption behaviour seems to stem from consumers inability to foresee intervening situational factors, rather than inaccuracies in the probability scale itself.

Teledermatology : the case of telemedicine adoption and success in New Zealand

Using a theoretical framework extracted from thetechnological innovation theories, this research attempts to explain factors influencing the adoption and diffusion of telemedicine utilising the video conferencing technology (TMVC) for dermatology within health Waikato (HW) in New Zealand. Findings indicate weak presence of critical assessment into technological innovation factors prior to TMVC adoption. Factors such as complexity, compatibility, and trialability were not assessed extensively by HW and could have hindered its adoption. TMVC was mainly assessed according to its relative advantage and cost effectiveness. This is essential but should consider other important factors explained in this research. The successful diffusion of TMVC in the case study relied on its economical benefit and on its effectiveness as a diagnostic tool. This research highlights the importance of the product champion factor on the successful adoption and diffusion of TMVC.

More dominant in their inactivity: consumer response and the adoption of digital TV in Australia

After much hesitation, discussion, and power brokering, Australia adopted digital TV for its Free-to air broadcasting on January 1, 2001. However, by December 2002, only a few thousand homes had adopted the technology. This paper examines the implementation and regulation of digital TV in Australia from the point of view of the ‘established base’ the new technology will replace, theories on diffusion and innovation of new technologies, and the Justification Model, which sees technology choice as social gambling. It then evaluates the various protectionist regulations and limitations imposed on the technology to safeguard the various stakeholders, the implementation strategies used, lack of digital content, marketing efforts, negative media coverage, and the economic realities of the technology, and argues that if consumers reject the technology altogether, it would lead to Australia missing the future applications of digital technology and the opportunity to address the issue of the ‘digital divide’ in the 21st century.

Digital TV in Australia and the USA: a cross-impact analysis of the adoption and diffusion of digital TV in Australia and the United States

The paper examines the adoption and diffusion of Digital Television (DTV) in Australia and the United States, identifying historical, technical, regulatory, marketing, and other commonalities and differences that appear to be most significant to its adoption, as both countries have experienced a 'sluggish' diffusion and adoption of DTV so far. Using library research and borrowing the cross-impact matrix method from futures research, the authors develop J J events related to the various influences and groups of stakeholders that had shaped the policy making and adoption of DTV. We then carry out a comparative analysis between the two countries to make evident their impacts, strengths, and directions of influence. The authors suggest that the implementation of DTV in these two developed countries appears to be nearly identical. Even though Australian and US broadcasting models are fundamentally different, the diffusion process for DTV is primarily affected by the nature of digital technology and globalisation, two trends that may be diminishing the import of the nation-state in the technology adoption process. The paper concludes that these broader economic and technical events may have greater import to DTV's successful diffusion than do traditional, cultural, and nationalistic factors suggested in earlier comparative broadcast studies.

Factors affecting e-commerce adoption by SMEs : a meta-analysis

There have been a myriad of research studies concerning SME e-Commerce adoption. However, the findings of these studies with regard to adoption factors have often been fragmented and contradictory. This paper analyses the previous research and synthesises the findings into a cohesive model of factors affecting SME adoption of e-Commerce. Eight meta-factors were identified: (1) perceived relative advantage; (2) perceived compatibility; (3) perceived complexity; (4) pressures from trading partners; (5) pressures from competitors; (6) external change agents; (7) knowledge and expertise about e-Commerce; and (8) management attitudes towards e-Commerce. These meta-factors were further grouped into three contexts: technological, environmental and organisational.

Technology and marginalization: a case study of the limited adoption of the intranet at a state-owned organisation in rural Australia

Taking a critical theory approach and the pluralist view of technology, this paper examines the problems in organizational communication that arose due to the implementation of a limited intranet electronic mail system as the main channel of communication between a rural stateowned organization and its city-based Head Office, installed at the sole discretion of the latter.
The intranet was provided only to the administration division and managers of some units due to financial constraints. This required others to receive information carried via the intranet through a gatekeeper who due to information and work overload, failed to disseminate the information effectively and efficiently. Using a combination of qualitative data collection methods, this study found that the intranet had marginalized those without access to it and reinforced the privileged position of those already with higher status within the organization, contrary to the utopian predictions
of new technologies as leading to social equality.

Inhibitors and facilitators for mobile payment adoption in Australia: a preliminary study

With the seamless diffusion and acceptance of mobile phones into people's everyday life as trusted communication devices, businesses have begun exploring their potential as payment devices. In this paper, we report on the findings from a pioneering study conducted in Australia, which explored inhibitors and facilitators in the adoption of mobile phones as payment devices.