Empirical Analysis of Internet Banking Adoption in Poland

37 Pages Posted: 5 Apr 2008 Last revised: 5 Oct 2014

See all articles by Michal Polasik

Michal Polasik

Nicolaus Copernicus University

Tomasz Piotr Wisniewski

Open University, UK

Date Written: June 22, 2008


This paper seeks to identify empirically the factors underlying the decision to adopt online banking in Poland. The sample used in this study is based on 3519 interactive questionnaires completed by Internet users. The decision of whether to adopt Internet banking services is linked, via Binomial Logistic Regression, to numerous explanatory variables, such as perceived security of online transactions, Internet experience, marketing exposure, use of other banking products and socio-demographic characteristics. The results presented here can be of assistance to banks and provide useful insights with regard to market segmentation, security and strategies fostering the acceptance of online banking.

Keywords: Internet Banking, Adoption of Innovations, Electronic Commerce, Poland

JEL Classification: G21, D12

Suggested Citation

Polasik, Michal and Wisniewski, Tomasz Piotr, Empirical Analysis of Internet Banking Adoption in Poland (June 22, 2008). Available at SSRN: https://ssrn.com/abstract=1116760 or http://dx.doi.org/10.2139/ssrn.1116760

Michal Polasik

Nicolaus Copernicus University ( email )

Gagarina 13A
Torun, 87-100
(0048) 56 611 4634 (Phone)

Tomasz Piotr Wisniewski (Contact Author)

Open University, UK ( email )

Walton Hall
Milton Keynes, Buckinghamshire MK7 6AA
United Kingdom

Do you have a job opening that you would like to promote on SSRN?

Paper statistics

Abstract Views
PlumX Metrics