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Consumer behavior
- 1. Online Banking http://www.youtube.com/watch?v=Q Cxkjci-WXY
- 2. Historical Perspective Started in the mid 1990s Float Time Check 21 Online Banks
- 3. Perception Identity Theft Multi Tasking Experiences Traditional Styles
- 4. Perception Generation Y Novelties Banks Values
- 5. Socio-Demographic Factors SurveyMonkey: Online Banking Who was Surveyed 12 questions Generation Age Range Year Range Generation Y 18-26 1982-1990 Generation X 27-43 1965-1981 Baby Boomers 44-62 1946-1964 Gray Market 63 & Up Before 1945
- 6. Results & Analyst Opinion of Online Banking 30 Generation Y 20 Generation X 10 Baby Boomers 0 Gray Market Positive Nuetral Negative
- 7. Results & Analyst Time Spent On The Internet 15 Per Week Generation Y 10 Generation X 5 Baby Boomers 0 Gray Market se 10 rs rs 20 rs 30 rs 40 s r +h 9h tu 9h 9h 9h 1- n -1 -2 -3 Do
- 8. Results & Analyst Preferred Form of Banking 20 15 Generation Y 10 Generation X 5 Baby Boomers Gray Market 0 Via In Person Mail Personal internet Statement Checkbook
- 9. Global Multi Cultural Factors o Microculturles Microsoft Money Plus Premium for 2008 Intuit QuickBooks Gift-giving
- 10. Global Multi Cultural Factors o Australia Demographics o Canada- internet safety
- 11. Motivation Needs Convenience Needs Online Banking Covers Bank Balance Transfers Paying Bills Information
- 12. Values Cultural Values Consumption-Specific Values Product Specific Values
- 13. Self-Concept Self-Concept Ideal Self Concept Social Self Concept Ideal Social Self Negative Self Concept Avoid Human Interaction at All Costs
- 14. Personality Shy, Quite, Reserved Self-Conscious Value the Dollar
- 15. Lifestyle
- 16. Attitude
- 17. Decision-Making Process R E S U L T
- 18. Suggestions and Recommendations Keep technology up to date Cut out any sort of fee related to online banking Make deposits online Quicker viewing time or for transactions and pending transactions
- 19. Suggestions and Recommendations Banks could better display fees and interest Easy assessable fee and interest calculator on bank website Courses to better educate people on online safety and all online functions