Exploring the Viability of Digital-Only Banking: An Empirical Investigation Using the Push-Pull Model

Avus Hou

2023

Abstract

Fintech has the potential to revolutionize the banking industry through various digital channels. Digital-only banking is one such channel emerging as a potential disruptor of traditional banking business models. This study applies the push-pull model as a theoretical framework to examine digital-only banks as an alternative. Our sample consists of 214 respondents assessed using component-based structural equation modeling. The results show that low service quality and inconvenience more than customers’ perceived advantage affect digital-only banks as an alternative. This study’s findings provide valuable insights into the design of digital-only banking services.

Paper Citation

in Harvard Style

Hou A. (2023). Exploring the Viability of Digital-Only Banking: An Empirical Investigation Using the Push-Pull Model. In Proceedings of the 20th International Conference on Smart Business Technologies - Volume 1: ICSBT; ISBN 978-989-758-667-5, SciTePress, pages 26-31. DOI: 10.5220/0012053000003552

in Bibtex Style

@conference{icsbt23,
author={Avus Hou},
title={Exploring the Viability of Digital-Only Banking: An Empirical Investigation Using the Push-Pull Model},
booktitle={Proceedings of the 20th International Conference on Smart Business Technologies - Volume 1: ICSBT},
year={2023},
pages={26-31},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0012053000003552},
isbn={978-989-758-667-5},
}

in EndNote Style

TY - CONF

JO - Proceedings of the 20th International Conference on Smart Business Technologies - Volume 1: ICSBT
TI - Exploring the Viability of Digital-Only Banking: An Empirical Investigation Using the Push-Pull Model
SN - 978-989-758-667-5
AU - Hou A.
PY - 2023
SP - 26
EP - 31
DO - 10.5220/0012053000003552
PB - SciTePress