Huom! Theseus-tuen yhteydenotto on poissa käytöstä teknisten huoltotöiden takia 11.–15.10.2019. Ongelmatilanteessa ota yhteyttä oman ammattikorkeakoulun kirjastoon.
Attention! Theseus Support e-mail is out of use 11.–15.10.2019. In case of problems please contact your own UAS Library.
OBS! Theseus Support e-post är ur användning 11.–15.10.2019. Om du har problem, vänligen kontakta ditt eget UAS-bibliotek.
Modern banking solutions changing business and people
Purpose of the research was to map out user experiences relating to modern banking services such as electronic invoicing, internet banking, payment cards and payments. Private users and businesses were designed their own survey containing similar topics and questions.
The theoretical part of the research explained history of various banking solutions in Finland starting from the late 1970’s. Modern technology and solutions were introduced and explained to give an understanding how different services are used currently in Finland.
Research part of the thesis concentrated on few main banking services in use today. Three main target groups were answering questions relating to user experience about different services such as electronic invoicing, internet banking, payment cards and payment types.
Empirical research was conducted quantitatively by designing an internet survey for three different target groups: Finnish, non-Finnish and business users. For Finnish and non-Finnish users a total of 723 answers were gathered and for business users a total of 24 answers. Results
for business users are therefore only directional. Survey languages were Finnish and English.
Results of the research showed, that all three user groups are familiar with newest banking services and most of them are widely used. Users are also generally satisfied with their current banking products such as internet banking and payment cards. All major banks in Finland are able to offer their customers up-to-date services.
Considerable differences in experiences and attitudes were found between Finnish and non- Finnish users in electronic invoicing especially among young people. In new payment types such as SEPA-payments and EMV-cards, Finnish users had most resistance against new tech- nology, whereas non-Finnish users were more tolerant accepting it. Businesses were familiar with SEPA-payments, but large part of them hadn’t used them extensively.