| fullrecord |
[{"key": "dc.contributor.advisor", "value": "Frank, Lauri", "language": null, "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Koivisto, Kerttuli", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2014-12-22T09:17:47Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2014-12-22T09:17:47Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2014", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.other", "value": "oai:jykdok.linneanet.fi:1465550", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/44985", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Mobiilipalveluiden rooli perinteisten asiointimuotojen rinnalla on kasvussa, mik\u00e4 on havaittavissa my\u00f6s pankkisektorilla. Kaikkialla l\u00e4sn\u00e4 oleva reaaliaikainen mobiilipankki ei hy\u00f6dyist\u00e4\u00e4n huolimatta ole kuitenkaan saavuttanut merkitt\u00e4v\u00e4\u00e4 jalansijaa suomalaisten keskuudessa. T\u00e4m\u00e4n pro gradu -tutkielman tavoitteena oli tunnistaa keskeisi\u00e4 mobiilipankkiasioinnin omaksumiseen vaikuttavia tekij\u00f6it\u00e4 Suomessa.\n\nTutkielman teoreettinen viitekehys perustuu innovaation diffuusioteorian mukaisiin innovaation ominaisuuksiin, joiden perusteella voidaan selitt\u00e4\u00e4, miksi osa innovaatioista omaksutaan k\u00e4ytt\u00f6\u00f6n toisia nopeammin. Kirjallisuuskatsauksessa innovaation ominaisuuksiin \u2013 hy\u00f6dyllisyyteen, monimutkaisuuteen, yhteensopivuuteen, havaittavuuteen ja kokeiltavuuteen \u2013 rinnastettiin soveltuvin osin muuttujia my\u00f6s muista omaksumisteorioista sek\u00e4 teoriaa t\u00e4ydennettiin aikaisemmissa tutkimuksissa usein esiin nousseella tekij\u00e4ll\u00e4, luotettavuudella.\n\nTutkielman empiirisess\u00e4 osuudessa toteutettiin kaikenik\u00e4isille suomalaisille kohdennettu puolistrukturoitu kyselytutkimus toukokuussa 2014. Analysoitavaksi hyv\u00e4ksyttyj\u00e4 vastauksia saatiin yhteens\u00e4 580 kappaletta. Tutkittavien muuttujien v\u00e4lisi\u00e4 suhteita tarkasteltiin SmartPLS-ohjelmalla tehdyll\u00e4 rakenneyht\u00e4l\u00f6mallilla sek\u00e4 k\u00e4ytt\u00e4jien ja ei-k\u00e4ytt\u00e4jien v\u00e4lisi\u00e4 eroja tutkittiin SPSS-ohjelman varianssianalyysill\u00e4.\n\nEmpiirisen osion tulokset tukevat kehitetty\u00e4 mallia, sill\u00e4 se selitt\u00e4\u00e4 71,73 prosenttia k\u00e4ytt\u00f6aikomuksesta mobiilipankkiasioinnin omaksumisen taustalla. Tulosten perusteella hy\u00f6dyllisyydell\u00e4 ja el\u00e4m\u00e4ntavalla sek\u00e4 helppok\u00e4ytt\u00f6isyydell\u00e4 on merkitt\u00e4v\u00e4 positiivinen vaikutus mobiilipankin k\u00e4ytt\u00f6aikomukseen. Palvelun luotettavuus ja havaittavuus vaikuttavat k\u00e4ytt\u00f6aikomukseen v\u00e4h\u00e4isesti. Aiempi osaaminen ja taloudelliset resurssit j\u00e4iv\u00e4t tutkimuksessa merkityksett\u00f6miksi. Varianssianalyysin perusteella havaittiin selvi\u00e4 eroja jo mobiilipankkiasioinnin omaksuneiden sek\u00e4 ei-k\u00e4ytt\u00e4jien asenteiden v\u00e4lill\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "The role of mobile services as an extension of traditional service channels is growing which can be seen also in the banking sector. Despite its benefits, ubiquitous and real time mobile banking haven\u2019t gained remarkable foothold among the Finnish. This thesis was aimed to identify the key factors influencing the adoption of mobile banking in Finland.\n\nTheoretical framework of this thesis is based on innovation diffusion theory and innovation attributes, which can explain why some innovations are adopted more rapidly than others. In the literature review innovation attributes \u2013 relative advantage, complexity, compatibility, visibility and trialability \u2013 were paralleled with variables from other adoption theories. In addition, based on earlier studies attribute called credibility was also added to the framework.\n\nThe empirical part of the thesis was based on a semi-structured survey allocated for all ages in Finland, undertaken during May 2014. Survey reached 580 answers suitable for analysis. The relationships between variables were analyzed using SmartPLS software and structural equation modelling and the differences between users and non-users were studied using SPSS software and analysis of variance.\n\nThe empirical results support the model, as it explains 71.73 percent of mobile banking behavioral intention. The results of the study indicate that usefulness and compatibility with lifestyle and ease of use are significant indicators for the intention to use mobile banking services. Credibility and visibility have a minor effect on behavioral intention. No relationship was found between prior experiment, financial resources, and adoption intention. According to analysis of variance, consumers\u2019 perceptions are different between mobile banking users and non-users.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Kerttuli Koivisto (ankekoiv) on 2014-12-22 09:17:46.894673. Form: Pro gradu -lomake (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/pro-gradu-lomake). JyX data: [jyx_publishing-allowed (fi) =True]", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija@noreply.fi) on 2014-12-22T09:17:47Z\nNo. of bitstreams: 2\nURN:NBN:fi:jyu-201412223570.pdf: 1270476 bytes, checksum: e4b559d89cf88f7015e2bd4347dfafe7 (MD5)\nlicense.html: 4830 bytes, checksum: 3dbc35c8e0d0957e7d4a7a9f3fb1fe62 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2014-12-22T09:17:47Z (GMT). No. of bitstreams: 2\nURN:NBN:fi:jyu-201412223570.pdf: 1270476 bytes, checksum: e4b559d89cf88f7015e2bd4347dfafe7 (MD5)\nlicense.html: 4830 bytes, checksum: 3dbc35c8e0d0957e7d4a7a9f3fb1fe62 (MD5)\n Previous issue date: 2014", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto (61 sivua)", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "mobiilipankkiasiointi", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "mobiilipalvelut", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "omaksuminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "innovaation diffuusioteoria (IDT)", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "osittainen pienimm\u00e4n neli\u00f6summan regressio (PLS)", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Mobiilipankkiasioinnin omaksumiseen vaikuttavat tekij\u00e4t Suomessa", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201412223570", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Tietojenk\u00e4sittelytieteiden laitos", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Department of Computer Science and Information Systems", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.date.updated", "value": "2014-12-22T09:17:48Z", "language": null, "element": "date", "qualifier": "updated", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": null, "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "601", "language": null, "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "mobiilipalvelut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "omaksuminen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "asiointi", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "s\u00e4hk\u00f6inen asiointi", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
|