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Article
Publication date: 11 September 2007

Hatice Jenkins

This paper aims to examine the factors affecting the adoption of internet banking services by domestic commercial banks in a sparsely populated small island.

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Abstract

Purpose

This paper aims to examine the factors affecting the adoption of internet banking services by domestic commercial banks in a sparsely populated small island.

Design/methodology/approach

Being one of the smallest island economies in the world, North Cyprus was chosen as a case study to explore the factors that affected the penetration of internet banking services in North Cyprus over a two year period. The managers of 23 banks operating in North Cyprus were interviewed first in 2004 and later in 2006. Furthermore, the web sites of these banks were also examined both in 2004 and in 2006 in order to measure the progress made in adopting internet banking services between these periods.

Findings

Evidence from survey studies and from banks' web sites indicated that banks in North Cyprus have been consistently moving towards providing internet banking services despite a very small potential market to share. In 2004, the majority of commercial banks claimed that the potential market was too small to adopt internet banking services in North Cyprus. Yet, in 2006 the same banks were in the process of introducing internet banking as an assurance to their customers that they would be able to maintain a competitive quality of service in the future, hence avoid losing their customers to the branches of foreign banks.

Research limitations/implications

The implication for domestic banks is that if they wish to complete with foreign banks they must embrace internet banking.

Originality/value

Contributes to the literature on internet banking services in small islands.

Details

Managing Service Quality: An International Journal, vol. 17 no. 5
Type: Research Article
ISSN: 0960-4529

Keywords

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Article
Publication date: 28 April 2020

Salih Katircioglu and Hatice Imamoglu

This study aims to investigate the role and spillover effects of the financial sector on the size of the informal economic activity in Turkey.

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Abstract

Purpose

This study aims to investigate the role and spillover effects of the financial sector on the size of the informal economic activity in Turkey.

Design/methodology/approach

Time series analysis has been adopted for annual data of the 1970-2017 period. New approaches in unit root and cointegration tests have been used in this study. Estimations have been done via dynamic ordinary least squares and fully modified ordinary least square approaches.

Findings

Results confirm the existence of a long-run equilibrium relationship between the financial system and informal economic activities in Turkey. At the earlier stages of financial development (FD), informality tends to rise while in further stages, informality tends to decline over time. This study confirms the U-shaped relationship between FD and the informal economy in Turkey.

Research limitations/implications

This study has used logarithmic values of series in the econometric analysis except for real interest rates because of negative values in some periods. Thus, by using level forms of real interest, missing values would be avoided.

Practical implications

Increasing efficiency, control and institutional quality, as well as the quality of governance environment, would be useful tools in reducing the size of informality, as this study finds that spillover effects of financial services on the informal economic activity are adverse.

Originality/value

This study is the first of its kind to the best of the knowledge in the case of Turkey, which estimates the spillover effects of FD on informal economic activity.

Details

International Journal of Islamic and Middle Eastern Finance and Management, vol. 13 no. 3
Type: Research Article
ISSN: 1753-8394

Keywords

Available. Open Access. Open Access
Article
Publication date: 13 January 2023

Bianca Kronemann, Hatice Kizgin, Nripendra Rana and Yogesh K. Dwivedi

This paper aims to explore the overall research question “How can artificial intelligence (AI) influence consumer information disclosure?”. It considers how anthropomorphism of…

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Abstract

Purpose

This paper aims to explore the overall research question “How can artificial intelligence (AI) influence consumer information disclosure?”. It considers how anthropomorphism of AI, personalisation and privacy concerns influence consumers’ attitudes and encourage disclosure of their private information.

Design/methodology/approach

This research draws upon the personalisation-privacy paradox (PPP) and privacy calculus theory (PCT) to address the research question and examine how AI can influence consumer information disclosure. It is proposed that anthropomorphism of AI and personalisation positively influence consumer attitudes and intentions to disclose personal information to a digital assistant, while privacy concerns negatively affect attitude and information disclosure.

Findings

This paper develops a conceptual model based on and presents seven research propositions (RPs) for future research.

Originality/value

Building upon PPP and PCT, this paper presents a view on the benefits and drawbacks of AI from a consumer perspective. This paper contributes to literature by critically reflecting upon on the question how consumer information disclosure is influenced by AI. In addition, seven RPs and future research areas are outlined in relation to privacy and consumer information disclosure in relation to AI.

¿Cómo anima la IA a los consumidores a compartir sus secretos?

El papel del antropomorfismo, la personalización y los problemas de privacidad y perspectivas para la investigación futura

Resumen

Propósito

Este artículo explora la pregunta general de investigación “¿Cómo puede influir la inteligencia artificial (IA) en la divulgación de información por parte de los consumidores? Se analiza cómo el antropomorfismo de la IA, la personalización y la preocupación por la privacidad influyen en la actitud de los consumidores y fomentan la revelación de su información privada.

Diseño/metodología/enfoque

Esta investigación se basa en la paradoja de la personalización y la privacidad y en la teoría del cálculo de la privacidad para abordar la pregunta de investigación y examinar cómo la IA puede influir en la revelación de información de los consumidores. Se propone que el antropomorfismo de la IA y la personalización influyen positivamente en las actitudes de los consumidores y en su intención de revelar información personal a un asistente digital, mientras que la preocupación por la privacidad afecta negativamente a la actitud y a la revelación de información.

Conclusiones

Este artículo desarrolla un modelo conceptual basado en siete propuestas de investigación para el futuro.

Originalidad

Basándose en la paradoja de la personalización y la privacidad y en la teoría del cálculo de la privacidad, este artículo presenta un punto de vista sobre los beneficios e inconvenientes de la IA desde la perspectiva del consumidor. Este artículo contribuye a la literatura al reflexionar de forma crítica sobre la cuestión de cómo influye la IA en la revelación de información del consumidor. Además, se esbozan siete propuestas de investigación y futuras áreas de investigación en relación con la privacidad y la divulgación de información del consumidor en relación con la IA.

人工智能如何

鼓励消费者分享他们的秘密?拟人化、个性化和隐私问题的作用以及未来研究的途径

摘要

目的

本文探讨了 “人工智能如何影响消费者的信息披露?"这一总体研究问题。它考虑了人工智能(AI)的拟人化、个性化和隐私问题是如何影响消费者的态度并鼓励他们披露私人信息的。

设计/方法/途径

本研究借鉴了个性化-隐私悖论和隐私计算理论来解决研究问题, 并研究人工智能如何影响消费者信息披露。本文提出, 人工智能的拟人化和个性化对消费者向数字助理披露个人信息的态度和意图有积极影响, 而隐私问题对态度和信息披露有消极影响。

研究结果

本文在此基础上建立了一个概念模型, 并为未来的研究提出了七个研究命题。

原创性

在个性化-隐私悖论和隐私计算理论的基础上, 本文从消费者的角度提出了对人工智能的好处和坏处的看法。本文通过对消费者信息披露如何受到人工智能影响的问题进行批判性反思, 对文献做出了贡献。此外, 本文概述了与人工智能相关的隐私和消费者信息披露方面的七个研究命题和未来研究领域。

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