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Internet Banking Service

Appendix I-Table 2: Measurement for Personal Characteristics

Variable

Sub-variable

Question /Statement

Variable label**

Scale

Age

- How old are you?

Age

Ratio

Income

- What is your average monthly income?

Income

1-7

Personality

Trait

Innerdirected-

ness

- When making a decision on purchase of new technology product, you will rely on your own judgement and personal standard more than advice from other

Ownjudge

1-5

Venturesome-

ness

- You like to be among the first people to buy and use new products or services that are on the market.

Firstbuy

1-5

Attitude toward Change

- You are interested to hear about new technology developments.

- Technology development has improved your life.

Interest

Techdvt

1-5

Opinion

Leader

- Other people often ask for your advice on financial matters.

- Other people often ask for your advice on new technology products.

Finadv

Techadv

1-5

Product

Category Usage

Electronic Banking Service Usage

- How often do you visit ATM monthly?

- How often do you use telephone banking monthly?

Visitatm

Telebank

0-4

Internet

- How many hours a week do you use Internet?

Nethour

0-5

ABAC Journal Vol. 22, No.3 (September  - December, 2002), pp. 63 - 80

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