Present and Future of Internet Banking in China

Present and Future of Internet Banking in China - JIBC...

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JIBC April 2010, Vol. 15, No.1 - 1 - Journal of Internet Banking and Commerce An open access Internet journal (http://www.arraydev.com/commerce/jibc/ ) Journal of Internet Banking and Commerce, April 2010, vol. 15, no.1 ( http://www.arraydev.com/commerce/jibc/ ) Present and Future of Internet Banking in China Xina Yuan, Ph. D. School of Management, Xiamen University Postal Address : No. 422, SimingNan Street, Siming District, School of Management, Xiamen University, Xiamen, China. 361005 Author's Personal/Organizational Website : http://sm2.xmu.edu.cn/ Email : zinayuan@gmail.com Dr. Xina Yuan is an assistant professor in the department of Enterprise Management at School of Management of Xiamen University, Xiamen, China. Her current research interests are Marketing Strategy, International Marketing, and Internet Marketing. Hyung Seok Lee, Ph.D. Assistant Professor, Department of Business Administration, Sahmyook University, Seoul, Korea Postal Address : Gongneung 2-dong, Nowon-gu, Seoul, 139-742, Korea Author's Personal/Organizational Website : www.syu.ac.kr Email : hslee@syu.ac.kr (corresponding author) Dr. Hyung Seok Lee is an Assistant Professor in the department of Business Administration at the Sahmyook University, Seoul, Korea. His current research interests are on IT Service, Operations Management and Quantitative Modeling. His work has previously been published in Electronic Commerce Research and Applications and Journal of Internet Banking and Commerce. Sang Yong Kim, Ph.D. Professor, Business School, Korea University Postal Address: Anam-dong 5-ga, Seongbuk-gu, Seoul, 136-701, Korea. Author's Personal/Organizational Website: http://biz.korea.ac.kr Email: sangkim@korea.ac.kr Professor Sang Yong Kim got his degrees of BA from Seoul National University, MSIA from Carnegie-Mellon University, and PhD from Duke University. His work has previously been published in Marketing Science, Electronic Markets, Electronic Commerce Research and Applications, Industrial Marketing Management and JIBC.
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JIBC April 2010, Vol. 15, No.1 - 2 - Abstract This paper has several objectives. First, it illustrates the history and explosive growth of Internet banking services in China. In general, the development of Internet banking services is still in its nascent stages in China, with a considerable quantity of potential customers. Second, we discuss the characteristics of Internet banking in China. We have determined that Chinese Internet banking transactions tend to be comparatively business-related, and that current Internet banking users skew young, highly-educated, and wealthy. Additionally, there is a regional difference in adopting Internet banking. Third, this study discusses the potential market for Internet banking services in China, and three factors that may influence the development of Chinese Internet banking. Finally, we propose two marketing suggestions regarding the expansion of the Chinese
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Present and Future of Internet Banking in China - JIBC...

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