SMEs and E Commerce   The Asia Foundation

4.4.5   Reasons for not to use Internet banking 

Among 132 Internet users that had not currently used the Internet banking, 

reasons for not intend to use the Internet banking in next 12 months were as 

follows (Figure 1.37): 

     40.9% did not need it.  

     27.27% security concerns. 

     19.69% lack of knowledge. 

Figure 1.37 

Reasons for not to use Internet banking 

No knowledge 

Others 

21%

4%

 No need 

Security concerns 

44%

No service provided 

29%

2%

4.4.6  Prospective users of the Internet Banking 

29 from 126 respondents had intended to use Internet banking in next 12 month.  

     58.62% of these prospective users would use the Internet banking to 

check balance. 

     72.41% to transfer funds. 

     13.79% to obtain credit/ loans 

     34.48% to facilitate e commerce activities. 

37.93% of the prospective users would use the Internet banking service of the 

Siam commercial bank. 45.45% of this group would choose the bank because 

they were its current customers. 36.36% would choose the bank because of its 

reputation.  

27.58 of the prospective users would use the Internet banking service of the 

Bangkok bank. All of respondents in this group would choose the bank because 

they were its current customers. 

30