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Please use this identifier to cite or link to this item:
http://hdl.handle.net/2451/14261
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| Title: | AN EXPLORATORY ECONOMETRIC ANALYSIS OF SHARED ELECTRONIC BANKING NETWORK ADOPTION |
| Authors: | Kauffman, Robert J.
Wang, Yu-Ming |
| Issue Date: | 31-Aug-1993 |
| Publisher: | Stern School of Business, New York University |
| Series/Report no.: | IS-93-25 |
| Abstract: | What are the determinants of early interorganizational system (IOS)
adoption? This paper focuses on a specific kind of IOS -- shared
electronic banking networks -- and employs an economic approach that
views adoption and diffusion in terms of cost and benefit. We attempt to
identify firm characteristics that are likely to influence the perceived
business value of network membership and develop specific hypotheses
that can be tested empirically using historical data in a realistic
setting. We undertake an exploratory econometric analysis of the
adoption of Yankee 24, a large shared electronic banking network in the
northeastern United States. Using Bass' analytical diffusion model, we
categorize Yankee 24 network members into earlier and later adopters.
Probit models are estimated to assess the impact of explanatory
variables on shared electronic banking network adoption. The number of
branch offices operated by a bank, its total demand deposits, and the
proportion of its total deposits accounted for by demand deposits are
found to be important predictors of earlier adoption. We find that the
number of branch offices operated by a bank, a proxy for the size of its
proprietary network, has a negative impact on early adoption, which
contradicts the common wisdom that a large firm size is a prerequisite
for adoption of technological innovations. |
| URI: | http://hdl.handle.net/2451/14261 |
| Appears in Collections: | IOMS: Information Systems Working Papers
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