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The Factors That Affect Adoption To Internet Banking In Australia

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Discuss about the factors that Affect Adoption to Internet Banking in Australia.


Introduction to the study

Internet banking has gained popularity in the recent years.  Many countries are adopting this banking method.  Internet banking is a method whereby customers does transactions through financial bodies using the websites of those institutions (Adapa, 2015).  Internet banking was started around 1980 by American banks to enable customer’s access bank services easily and in a comfortable way (Adapa, 2015).  Since then it has grown and many people are using it in the world.  In Australia, internet banking started in the year 2013 by the Reserve, bank with an aim of making it easy to pay bills and salaries (Fraser and Gatty, 2014).  These changes were made after the board of the bank sat down in 2012 to discuss the effective ways, which could be adopted to enhance the working conditions of the bank (Fraser and Gatty, 2014).  However, despite the implementation of e-banking in Australia, it has been adopted in low rates.

According to a meta-analysis study done by (Adapa, 2015), only less than 45% of the citizens in Australia were willing to do transactions via the internet by the year 2014. This adoption rate was considered low as compared to other countries like America who had more than 60% of the citizens using internet banking by the year  2014 (Adapa, 2015).  Due to this effect, it is necessary to carry out a study, which will analyze the causes of low rate adoption to internet banking in Australia.

The general and specific objectives of the study

The general objective of this study will be assessing the factors that affect adoption to internet banking in Australia.

Other objectives of the study will be

To access the effect of cost on internet based banking

To establish the effect of technology issues on adoption of internet banking in Australia

To investigate the effect of internet security on internet based transactions.

To investigate the effect of profitability on the adoption to internet banking.

Methodological approach

Methodology is an outline of the methods which one intent to use in a research (Rouquerol et al., 2013).  It contains research design, target population, sampling techniques, instruments that will be used for data collection, data collection procedures, and methods of data analysis.


This study will be quantitative.  Quantitative is a methodology, which is based on statistical techniques and uses computational methods to describe data (Rouquerol et al., 2013).  The research design will be descriptive which will involve the collection of data by issuing questioners.  This is because quantitative methodology goes hand in hand with descriptive research design.  By use of this methodology and the research design, the process of data analysis will be easy since all the data collected will be numerical.  This will help to interpret the data in a professional way and get information, which will be of great importance in finding the solutions to solving the issue of adoption to internet banking in Australia.

The researcher will use random sampling technique when selecting the sample for the study.  Random sampling gives each member an equal chance of being chosen to participate (Shi et al., 2013).  The target groups will be Australian citizens who will be visiting the Reserve bank.  This is because Reserve bank was the first bank to launch e- banking in the country.  A sample of 52 participants will be randomly selected to participate in the study.  The sample size of 52 participants is chosen to assume normality according to the central limit theorem, which says that as the sample sizes get larger the data tends to approach normality (Zhu, 2013).

Questioners will be the main tool for data collection.  The questioners will be hand delivered to the chosen sample.  Before handing over the questioners, permission will be sought from the bank manager to allow the researcher handover the questioners to the participants.  The participant will be ensured of privacy to the information they will give.

After collecting the data, the researcher will get into the process of analysis.  Data analysis is the process of bringing order and gaining information from a mass of data collected by use of statistical software’s (Drisko, 2013).  The questioners will be adequately checked for credibility and verification.  Data will be analyzed using quantitative techniques. Data will first be entered into the excel software and then will be imported into the Spss software for analysis.  Tabulations, charts, and measures of dispersion will be used to draw information from the data.  This will give professional information that could be used to solve the issues related to low rate adoption to internet banking in the country.



Adapa, S. (2015).  Continued and frequent use of internet banking by Australian consumers: Identification of the factor components. The Journal of Internet Banking and Commerce, 2011.

Drisko, J. W. (2013). Qualitative data analysis software. Qualitative Research in Social Work, 284.

Fraser, S., & Gatty, A. (2014). The Introduction of Same-day Settlement of Direct Entry Obligations in Australia. RBA Bulletin, June, 55-64.

Rouquerol, J., Rouquerol, F., Llewellyn, P., Maurin, G., & Sing, K. S. (2013). Adsorption by powders and porous solids: principles, methodology and applications. Academic press.

Shi, F., Petriu, E., & Laganiere, R. (2013). Sampling strategies for real-time action recognition. In Proceedings of the IEEE Conference on Computer Vision and Pattern Recognition (pp. 2595-2602).

Zhu, L. (2013).  Central limit theorem for nonlinear Hawkes processes. Journal of Applied Probability, 50(03), 760-771.


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