Authors: VASILIKI PAPAZOGLOU, SPYROS PAPATHANASIOU

Title: Electronic Banking in Greece. The case of Chalkida.

Abstract

In this paper, we investigate the level of penetration of electronic banking in a large city of Greece, Halkida We used descriptive and inferential statistics (Pearson Chi-Square test, crosstabulation or contigency table) in order to identified the percentage of electronic banking adoption.  A random sample of 100 users, was asked to reply to a questionnaire, based on previous investigations concerning internet and electronic banking (e.g. Munusamy et al. 2012, Chau & Ngai 2010, Durkin 2004), modified to the specific circumstances. We used the SPSS 22 (Statistical Package for Social Sciences). The results of studies showed that customers under certain conditions are receptive to the adoption of electronic banking. Gender, education and the purchase of products through the Internet, affect the use of electronic banking. Level of education and safety are the factors influencing the intention to use electronic banking. Finally, characteristics such as cost, support / service, computer knowledge and effort made have significant impact on perceived performance regarding the use of online banking. The findings of this paper have practical implications for banking industry in order to understand better their own customers and improve their services.