文献类型：期刊文献

中文题名：大学生选择数字银行的影响因素调查与分析

英文题名：Factors Influencing University Students DigitalBanking Choice Behaviour

作者：王苏琳[1];荆梦媛[2]

第一作者：王苏琳

机构：[1]利兹大学商学院,利兹LS31FF,英国;[2]河南财经政法大学国际教育学院,郑州450000

第一机构：利兹大学商学院,利兹LS31FF,英国

年份：2020

卷号：38

期号：8

起止页码：1353-1361

中文期刊名：河南科学

外文期刊名：Henan Science

收录：CSTPCD

语种：中文

中文关键词：数字银行;传统银行;英国大学生;学生选择银行的因素

外文关键词：digital banks;traditional banks;UK university students;students banking choice behaviour

摘要：数字银行发展速度很快,在全球范围内提供尖端的技术性银行服务.为了挑战传统银行,数字银行企业需要对客户的认知进行调查研究,以更有效地改进产品以及参与行业竞争.为深入了解数字银行业,对英国大学生选择数字银行影响因素进行定性和定量研究以获得可靠准确的数据.结果表明,虽然数字银行在英国是一个逐渐增长的领域,但从大学生对数字银行仍缺乏了解和信心.学生对传统银行的满意度仍高于对数字银行的满意度.研究还强调了学生根据声誉、特征和实体分行等标准对传统银行和数字银行进行不同评价的因素,建议数字银行应关注这些影响因素并采取相应措施,以提高竞争力.
Digital Banks are a large growth sector within the banking industry,providing cutting edge technological based banking services globally.Nevertheless,to challenge traditional banks,customer perceptions must be investigated for digital banking companies to improve their products and compete more effectively.To gather insight into the digital banking sector,both qualitative and quantitative research has been carried out through paired interviews for high detail,opinion-based data,and secondarily an online survey for a larger data set.Findings from the research suggest that while digital banking is a growth sector in the UK,there is still a lack of knowledge and confidence towards these banks from a student perspective.Students’satisfaction with traditional banks is still higher than the satisfaction with digital banks.The research also highlighted the factors students evaluate traditional and digital banking differently based on criteria such as reputation,features and physical branches,suggesting digital banks should focus on those criteria to become more competitive.