Understanding customer behaviours toward the use of electronic banking given customer characteristics and financial portfolios

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dc.contributor.authorAlsanousi, Hessa
dc.contributor.authorAl Barrak, Najla
dc.contributor.authorMoulitsas, Irene
dc.contributor.authorFilippone, Salvatore
dc.date.accessioned2021-04-12T16:07:57Z
dc.date.available2021-04-12T16:07:57Z
dc.date.issued2021-01-31
dc.description.abstractThe evolution of electronic banking demonstrates the need for research regarding demographics and banking preferences. In this study, financial data was collected from three Kuwaiti banks. The data included customer characteristics, product portfolios, and usage information in all electronic banking channels. This data was used to predict the use of electronic channels, treated as dependent variables in our study, based on individual customer’s information, that is treated as independent variables. Machine learning (ML) techniques, specifically multinomial logistic regression, were used to handle the data bearing in mind that these techniques would bring the most benefit to financial analysts and bankers. The results showed that one can determine the preferred electronic banking channel for each customer by knowing some of their characteristics and financial portfolio.en_UK
dc.identifier.citationAlsanousi H, Albarrak N, Moulitsas I, Filippone S. (2021) Understanding customer behaviours toward the use of electronic banking given customer characteristics and financial portfolios. International Journal of Business and Social Science, Volume 12, Issue 1, January 2021, pp. 54-64en_UK
dc.identifier.issn2219-6021
dc.identifier.urihttps://doi.org/10.30845/ijbss.v12n1p9
dc.identifier.urihttps://dspace.lib.cranfield.ac.uk/handle/1826/16554
dc.language.isoenen_UK
dc.publisherCenter for Promoting Ideasen_UK
dc.rightsAttribution 4.0 International*
dc.rights.urihttp://creativecommons.org/licenses/by/4.0/*
dc.subjectMultinomial logistic regressionen_UK
dc.subjectFinTech (financial technology)en_UK
dc.subjectFinancial servicesen_UK
dc.subjectMobile bankingen_UK
dc.subjectElectronic bankingen_UK
dc.titleUnderstanding customer behaviours toward the use of electronic banking given customer characteristics and financial portfoliosen_UK
dc.typeArticleen_UK

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