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Does Online Banking Technology at Lo...

Howell, Lingmei .

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Does Online Banking Technology at Low-Income Credit Unions Promote Financial Inclusion?

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Does Online Banking Technology at Low-Income Credit Unions Promote Financial Inclusion?/
作者:	Howell, Lingmei .
出版者:	Ann Arbor : ProQuest Dissertations & Theses, : 2020,
面頁冊數:	247 p.
附註:	Source: Dissertations Abstracts International, Volume: 82-01, Section: A.
Contained By:	Dissertations Abstracts International82-01A.
標題:	Urban planning. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=27665824
ISBN:	9781083613127

Does Online Banking Technology at Low-Income Credit Unions Promote Financial Inclusion?
Howell, Lingmei .

Does Online Banking Technology at Low-Income Credit Unions Promote Financial Inclusion? - Ann Arbor : ProQuest Dissertations & Theses, 2020 - 247 p.

Source: Dissertations Abstracts International, Volume: 82-01, Section: A.

Thesis (Ph.D.)--The University of North Carolina at Chapel Hill, 2020.

This item must not be sold to any third party vendors.

Ensuring access to safe and affordable financial products and services by underserved members of society, such as low-income groups, is an encompassing goal of financial inclusion. It has been claimed that online banking technology can be an effective tool to foster financial access and promote financial inclusion. This study investigates the relationship between the adoption of online banking technology by low-income credit unions and the effectiveness of their financial inclusion efforts.Using latent curve modeling, no significant effect was found for the number of years low-income credit unions had offered online banking and expected membership growth after accounting for credit union size in assets and annual changes in the number of branches. Statistically significant effects were found, however, for assets size on the number of years a low-income credit union had offered online banking, the latent slope and the latent intercept, suggesting underlying differences between low-income credit unions that offer online banking sooner and those that offer online banking later or not at all.Qualitative analysis of in-depth interviews with sixteen selected low-income credit unions revealed that online banking is an "expected" service today and has minimal impact on membership growth. Instead, online and mobile banking's effectiveness is in preventing membership decline, especially with younger people who demand online access to services. The reasons low-income credit unions adopt online banking is to accommodate that demand and remain competitive. The one reason low-income credit unions do not adopt online banking is cost. Tepid support was found for the claim that online banking lowers the cost of provided services and that those savings are passed on to the members via better interest rates and lower fees. Physical branches were found to still play critical service roles, particularly with aiding members uncomfortable with online banking technology and in providing financial guidance and education to their members. Online banking's appropriateness in fostering financial inclusion is as an additional channel for accessing financial services, but not as a replacement for physical branches especially in serving low income memberships.

ISBN: 9781083613127Subjects--Topical Terms:

2122922
Urban planning.
Subjects--Index Terms:

Online banking

Does Online Banking Technology at Low-Income Credit Unions Promote Financial Inclusion?
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