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INTERNET BANKING USER ACCEPTANCE: EVIDENCE FROM GREECE AND BULGARIA Dimitrios Maditinos1, Charalampos Tsairidis2, and Chrisostomos Grigoriadis1 1Kavala Institute of Technology, School of Business and Economics, Agios Loukas, Kavala 65404, Greece 2Democritus University of Thrace, Department of Social Administration, 1 Panagi Tsaldari, Komotini 69100, Greece Received: 05.01.11; Cited: 03.04.11 Abstract Up to now, research studies in Greece and Bulgaria have not paid sufficient attention in exploring the reasons affecting the acceptance of Internet Banking services in those countries. Using the decomposed Theory of Planned Behaviour (decomposed TPB) and based on data collected from a sample of 247 respondents of both countries – 118 from Bulgaria and 129 from Greece, we found, in general, an overall good fit of the sample while the hypotheses acceptance varied from country to country. Overall, we showed that in both countries, subjective norm, along with attitude and perceived behavioral control, were able to explain adequately the users’ behavioral intention. Key words: internet banking, user acceptance, decomposed theory of planned behaviour, behavioural intention 4-24 Read Article Has the global economic crisis affected the stability of Estonian banking? August Aarma*, Jaan Vainu** Tallinn University of Technology, School of Economics, 12618 Tallinn, Estonia, Ehitajate tee 3 Abstract The main purpose of the paper is to test the possibilities of treating a bank as an enterprise that produces services and for which the same laws are valid (at least in Estonia) as for other enterprises. As Estonia is a small country, the banks here can be considered small or medium-sized although their profitability is high. Banks and other financial institutions compose a unique set of business firms whose assets and liabilities, regulatory restrictions, economic functions and operation make them an important subject of research. Monitoring, analysis and control of banks’ performance deserve special attention in respect to their operation and performance results from the viewpoint of various audiences such as investors/owners, regulators, customers, and management. This paper presents four econometric models that we use to test the stability of Estonian banking. In addition, we consider whether the development of the Estonian banking system agrees with Solow´s theory of balanced growth. The paper is a continuation of the authors’ research into the evolution of the Estonian banking (Aarma and Vainu, 2003–2009). Key words: banking analysis, econometric models. Received: 05.01.11; Cited: 03.04.11 28-37 Read Article
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