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Interacting with Computers
Volume 19, Issue 2, March 2007, Pages 241-256
HCI Issues in Computer Games
 
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doi:10.1016/j.intcom.2006.08.010    How to Cite or Link Using DOI (Opens New Window)
Copyright © 2006 Elsevier B.V. All rights reserved.

Functionality and usability in design for eStatements in eBanking services

Catherine Weira, Corresponding Author Contact Information, E-mail The Corresponding Author, Iain McKayb and Mervyn Jacka, E-mail The Corresponding Author

aCentre for Communication Interface Research, The University of Edinburgh, The Kings Buildings, Edinburgh, Scotland, UK bGraham Technology plc, India of Inchinnan, Renfrewshire, Scotland, UK

Received 10 May 2006; 
revised 9 August 2006; 
accepted 9 August 2006. 
Available online 14 September 2006.

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Abstract

The current Internet Banking (eBanking) marketplace is highly functionally convergent. Electronic statement (eStatement) functionality is an area of potential competitive advantage. This paper describes an experiment in which a group of bank customers (N = 182) undertook information retrieval tasks using three variants of eStatements functionality incorporated into a working eBanking prototype. The experiment examined how the eStatements service design could influence a customer’s desire to switch from paper statements to online delivery. Three different levels of functionality were assessed for usability and for their impact on the customer’s willingness to switch from paper to eStatements. The methodology of the experimental approach utilised in this research is described. The results provide detailed data to inform the interface design and business case for eStatements. Usability and propensity to switch away from paper were significantly correlated. The data confirm that provision of a functionally sophisticated search engine offers high usability perceptions and scope for significant levels of switching from paper to online statements with associated costs savings.

Keywords: Internet Banking; Usability experiment; User-interface design; Adoption; Electronic statements

Article Outline

1. Introduction
1.1. Usability engineering and the Web
1.2. eBanking
1.3. eStatements
1.4. Adoption of technology
1.5. Summary
2. Interface designs
3. Research questions and hypothesis
4. Experiment methodology
4.1. Propensity measurement
4.2. Experiment summary
5. The eStatements experiment
5.1. Experiment design and tasks
5.2. Experiment procedure
6. Participant demographics
7. Results
7.1. Usability data
7.2. Propensity to suspend paper statements
7.3. Relationship between propensity and usability
7.4. The business case
7.5. Task performance and search logs
7.6. Qualitative data analysis
8. Discussion
9. Conclusions
Acknowledgements
References





Interacting with Computers
Volume 19, Issue 2, March 2007, Pages 241-256
HCI Issues in Computer Games
 
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