Adoption of e-banking technology: Basis of creating network infrastructure and marketing strategies in region 3


  • Bernandino P. Malang, DBA
  • Ferdinand C. Somido, Dr.
  • Susana C. Bautista, Dr.
  • Pedrito Jose V. Bermudo, Dr.
  • Antonio D. Yango, Dr.
  • Leomar S. Galicia, Dr.



marketing strategies, network infrastructure, e-banking technology


The main goal of this descriptive-correlational study was to assess different factors involved towards adoption of e-banking technology among consumers in different provinces in region 3 of the Philippines as a basis for creating network infrastructure andmarketing strategies to help the families or individuals to go e-banking technologies. The results of the analysis showed that the regression model (consisting of technological, organizational, and environmental factors) does not significantly predictthe respondents’ perception on e-banking services’ reliability, convenience, speed, safetyand security, user-friendliness, cost-effectiveness, error-freeness. Additionally, therespondents considered two of the nine given scenarios as challenges in their adoption of e-banking technologies: (1) their fear about the possible occurrence of electronic crimes and (2) the customers’ preference for face-to-face banking. The improvement of Internet   connection and the conduct of trainings ororientation regarding e-banking services by banking institutions are recommended by theresearcher in addition to the proposed network infrastructure and marketing strategies to be considered by the bank to be able to educate customers in adopting   e-banking technology.


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