{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,17]],"date-time":"2026-02-17T02:16:24Z","timestamp":1771294584087,"version":"3.50.1"},"reference-count":38,"publisher":"Emerald","issue":"6","license":[{"start":{"date-parts":[[2007,11,13]],"date-time":"2007-11-13T00:00:00Z","timestamp":1194912000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2007,11,13]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-heading\">Purpose<\/jats:title><jats:p>The aim of the paper is to explore and compare customer value perceptions in internet and mobile banking. The purpose especially is to compare customer perceived value and value creation between internet and mobile bill paying service.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Design\/methodology\/approach<\/jats:title><jats:p>A qualitative in\u2010depth interviewing design was applied in order to ascertain the factors that create value perceptions in fund transfer service via personal computer and mobile phone. Means\u2010end approach and laddering interviewing technique was used in order to reveal how different value creating factors are hierarchically structured and related to each other.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Findings<\/jats:title><jats:p>The results indicate that customer value perceptions in banking actions differ between internet and mobile channels. The findings suggest that efficiency, convenience and safety are salient in determining the differences in customer value perceptions between internet and mobile banking.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Research limitations\/implications<\/jats:title><jats:p>The findings of the qualitative study, being more depth than wide in nature, deserve to be quantitatively measured in future studies in order to provide more generalisable results.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Practical implications<\/jats:title><jats:p>The paper provides enhanced information for business managers about both positive and negative customer value perceptions in internet and mobile banking. By understanding how and what kind of value different service channels provide for customers service providers are better enabled to create actions to enhance internet and mobile banking adoption.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Originality\/value<\/jats:title><jats:p>The contribution of the paper lies in achieving a more profound understanding on consumer value perceptions to internet and mobile banking. It expands the literature on electronic and mobile commerce and on electronic banking especially.<\/jats:p><\/jats:sec>","DOI":"10.1108\/14637150710834550","type":"journal-article","created":{"date-parts":[[2007,11,17]],"date-time":"2007-11-17T07:02:59Z","timestamp":1195282979000},"page":"788-797","source":"Crossref","is-referenced-by-count":227,"title":["Internet vs mobile banking: comparing customer value perceptions"],"prefix":"10.1108","volume":"13","author":[{"given":"Tommi","family":"Laukkanen","sequence":"first","affiliation":[]}],"member":"140","reference":[{"key":"key2022012620101616300_b1","doi-asserted-by":"crossref","unstructured":"Al\u2010Ashban, A.A. and Burney, M.A. (2001), \u201cCustomer adoption of tele\u2010banking technology: the case of Saudi Arabia\u201d, International Journal of Bank Marketing, Vol. 19 No. 5, pp. 191\u2010200.","DOI":"10.1108\/02652320110399683"},{"key":"key2022012620101616300_b2","doi-asserted-by":"crossref","unstructured":"Barnes, S.J. and Corbitt, B. 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