{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,6,4]],"date-time":"2025-06-04T11:46:11Z","timestamp":1749037571957},"reference-count":49,"publisher":"IGI Global","issue":"3","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2019,7,1]]},"abstract":"<p>Together with development of innovative technology, retail banks increasingly and more frequently apply it to create and provide customers value. Such trends are justified in the article, considering the development of information society as well as progressing diversity in customers' preferences. The differences are increasingly stronger, especially if consumers' age representing different generations. The purpose of the article is to identify and evaluate the scope of use of retail banking products based on innovative technologies by customers in total, and while taking into account belonging to three various generations. According to the results of the research, security, lower price and growth of the comfort of use are the key factors to encourage the customers to use innovative solutions in banking. The most important barriers in that area are the costs that occur together with products based on advanced technologies and perceived risk of using unknown earlier services. However, acceptance of technologically advanced products by a wide range of customers depends on generation.<\/p>","DOI":"10.4018\/ijesma.2019070102","type":"journal-article","created":{"date-parts":[[2019,5,14]],"date-time":"2019-05-14T17:42:40Z","timestamp":1557855760000},"page":"19-33","source":"Crossref","is-referenced-by-count":2,"title":["Generations on New Technologies in Retail Banking in the Context of Knowledge Economy"],"prefix":"10.4018","volume":"11","author":[{"given":"Ma\u0142gorzata","family":"Kie\u017cel","sequence":"first","affiliation":[{"name":"Department of Marketing Management and Tourism, University of Economics in Katowice, Katowice, Poland"}]},{"given":"Magdalena","family":"Stefa\u0144ska","sequence":"additional","affiliation":[{"name":"Department of Marketing Strategies, Pozna\u0144 University of Economics and Business, Pozna\u0144, Poland"}]}],"member":"2432","reference":[{"key":"IJESMA.2019070102-0","first-page":"21","author":"D.Archibugi","year":"2001","journal-title":"The Globalizing Learning Economy"},{"issue":"2","key":"IJESMA.2019070102-1","first-page":"18","article-title":"Perceived Risk Dimensions & its Impact On Intention To Use E-Banking Services: A Conceptual Study.","volume":"7","author":"S.Arora","year":"2018","journal-title":"Journal of Commerce & Accounting Research"},{"key":"IJESMA.2019070102-2","unstructured":"Bartoszewska, B., & Czarnecki, R. (2010). ICT Market In Poland and The Development of Information Society. Scientific Papers of the University of Szczecin."},{"key":"IJESMA.2019070102-3","unstructured":"BIK [Credit Information Office]. (2017). Retrieved from https:\/\/www.bankier.pl\/wiadomosc\/Pokolenie-X-najbardziej-aktywne-kredytowo-3166201.html"},{"key":"IJESMA.2019070102-4","author":"J.Brillman","year":"2002","journal-title":"Nowoczesne koncepcje i metody zarz\u0105dzania"},{"issue":"2","key":"IJESMA.2019070102-5","first-page":"29","article-title":"The Relevance of Age Categories in explaining Internet Banking Adoption Rates and Customers\u2019 Attitudes towards the Service","volume":"7","author":"S. J.Camilleri","year":"2017","journal-title":"Journal of Applied Finance & Banking"},{"key":"IJESMA.2019070102-6","unstructured":"comScore. (2012, February 24). 2011 State of Online and Mobile Banking."},{"key":"IJESMA.2019070102-7","unstructured":"Consumers and Mobile Financial Services. (2012). Federal Reserve Board."},{"key":"IJESMA.2019070102-8","doi-asserted-by":"publisher","DOI":"10.4018\/jesma.2009070802"},{"key":"IJESMA.2019070102-9","doi-asserted-by":"publisher","DOI":"10.1007\/s10869-010-9177-2"},{"key":"IJESMA.2019070102-10","unstructured":"Deloitte. (2010). Mobile banking. A catalyst for improving bank performance."},{"key":"IJESMA.2019070102-11","doi-asserted-by":"publisher","DOI":"10.1080\/0965254022000014541"},{"key":"IJESMA.2019070102-12","author":"TNSGlobal","year":"2015)"},{"key":"IJESMA.2019070102-13","unstructured":"Global Overview. (2017). Digital in 2017. Retrieved from http:\/\/www.mobiletrends.pl\/raport-66-procent-populacji-korzysta-juz-z-telefonow-komorkowych\/"},{"key":"IJESMA.2019070102-14","unstructured":"Go\u0142\u0105b-Andrzejak, E. (2014). Loyalty in the information society on the \u201cMillennials\u201d example, Marketing i Rynek [Marketing and Market], 11, 42-49."},{"key":"IJESMA.2019070102-15","unstructured":"GUS. (2016). Information Society in Poland in 2016 [Spo\u0142ecze\u0144stwo informacyjne w Polsce w 2016 roku]. Retrieved from http:\/\/stat.gov.pl\/obszary-tematyczne\/nauka-i-technika-spoleczenstwo-informacyjne\/spoleczenstwo-informacyjne\/spoleczenstwo-informacyjne-w-polsce-w-2016-roku,2,6.html"},{"key":"IJESMA.2019070102-16","doi-asserted-by":"publisher","DOI":"10.2501\/IJMR-53-6-749-770"},{"key":"IJESMA.2019070102-17","doi-asserted-by":"publisher","DOI":"10.1057\/palgrave.fsm.4760052"},{"key":"IJESMA.2019070102-18","doi-asserted-by":"publisher","DOI":"10.1108\/03090560910976456"},{"key":"IJESMA.2019070102-19","unstructured":"HomoHomini Institute. (2011). Bankowo\u015b\u0107 mobilna w oczach Polak\u00f3w [Mobile banking in the eyes of Poles]. Retrieved from https:\/\/www.telix.pl\/images\/sprawozdania\/mBank_HomoHomini_prezentacja.pdf"},{"key":"IJESMA.2019070102-20","author":"N.Howe","year":"2000","journal-title":"Millennials rising: the next great generation"},{"key":"IJESMA.2019070102-21","year":"2018"},{"key":"IJESMA.2019070102-22","unstructured":"Kie\u017cel, M. (2014). Social media as a modern form of marketing communication of retail banks with clients. Wsp\u00f3\u0142czesne wyzwania rynku finansowego. Cz. 1. [Contemporary challenges of the financial market (part 1)]. Warszawa: UW."},{"key":"IJESMA.2019070102-23","unstructured":"Kie\u017cel, M., & Stefa\u0144ska, M. (2018). Mobile Applications of Retail Banks \u2010 the Dynamics of Development and its Determinants. In Proceedings of the International Conference \u2013 Theory and Applications of Knowledge Economy, ed. E. Tom\u00e9, J."},{"key":"IJESMA.2019070102-24","year":"2011"},{"key":"IJESMA.2019070102-25","author":"J.Lain-Kennedy","year":"2007","journal-title":"Job Interviews for Dummies"},{"key":"IJESMA.2019070102-26","unstructured":"Maison, D. (2010). Attitudes of Poles towards cashless payments, Report for NBP (National Bank of Poland). [Postawy Polak\u00f3w wobec obrotu bezgot\u00f3wkowego. Raport dla NBP]. Retrieved from https:\/\/www.nbp.pl\/systemplatniczy\/obrot_bezgotowkowy\/postawy_polak%C3%B3w_wobec_obrotu_bezgotowkowego_raport.pdf"},{"key":"IJESMA.2019070102-27","unstructured":"Majewska, S. Truskolaski, Published by E. Tom\u00e9, Lisbon, 90-105."},{"key":"IJESMA.2019070102-28","unstructured":"Meyer, T. (2010). Online banking and research: The state of playing 2010. Deutsche Bank Research."},{"key":"IJESMA.2019070102-29","unstructured":"MSWiA. (2008). [Ministry of the Interior and Administration]. Strategia rozwoju spo\u0142ecze\u0144stwa informacyjnego w Polsce do roku 2013. [Strategy for the development of the information society in Poland until 2013]."},{"key":"IJESMA.2019070102-30","doi-asserted-by":"publisher","DOI":"10.1108\/IJBM-07-2017-0153"},{"key":"IJESMA.2019070102-31","doi-asserted-by":"publisher","DOI":"10.1080\/08997760802300530"},{"key":"IJESMA.2019070102-32","unstructured":"Paul, P. (2001). Getting inside gen Y. American Demographics, 23(9), 42-49."},{"key":"IJESMA.2019070102-33","doi-asserted-by":"publisher","DOI":"10.1108\/10662240410542652"},{"key":"IJESMA.2019070102-34","doi-asserted-by":"crossref","unstructured":"Powell, W.W., & Snellman, K. (2004). The Knowledge Economy. Annual Review of Sociology, 199-220.","DOI":"10.1146\/annurev.soc.29.010202.100037"},{"issue":"2","key":"IJESMA.2019070102-35","first-page":"91","article-title":"Differences in Generation X and Generation Y: Implications For The Organization And Marketers.","volume":"12","author":"T. H.Reisenwitz","year":"2009","journal-title":"Marketing Management Journal"},{"issue":"1","key":"IJESMA.2019070102-36","first-page":"1","article-title":"The Frequency and Intensity of Experience in Online Banking Use","volume":"17","author":"D. D.Singer","year":"2012","journal-title":"Journal of Internet Banking and Commerce"},{"key":"IJESMA.2019070102-37","unstructured":"Sobolewska, S. (2016). Customers\u2019 Opinions as a Determinant of Trust to E-commerce Companies. Przedsi\u0119biorczo\u015b\u0107 i Zarz\u0105dzanie [Entrepreneurship and Management], XVII(10, part 1), 134."},{"key":"IJESMA.2019070102-38","doi-asserted-by":"publisher","DOI":"10.1108\/14684520810865985"},{"issue":"4","key":"IJESMA.2019070102-39","first-page":"389","article-title":"From Industrial to Information Society.","volume":"2","author":"M.Sommer","year":"2018","journal-title":"Journal of European Economy"},{"key":"IJESMA.2019070102-40","doi-asserted-by":"publisher","DOI":"10.1057\/palgrave.fsm.4770132"},{"key":"IJESMA.2019070102-41","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbusres.2016.04.027"},{"key":"IJESMA.2019070102-42","doi-asserted-by":"crossref","unstructured":"Szymanowski, W., & Brudniak, G. (2018). Foresight of Information Society-the Knowledge-Based Economy. An Attempt at Measuring with the Use of the Example of Spatial Diversity of Poland's Voivodships (2009-2015). Economic and Environmental Studies, (2), 909-924.","DOI":"10.25167\/ees.2018.46.27"},{"issue":"1","key":"IJESMA.2019070102-43","first-page":"133","article-title":"Benefits of knowledge management system for banking sector.","volume":"3","author":"B. S.Tanaji","year":"2012","journal-title":"International Journal of Computer Science and Communication"},{"issue":"6","key":"IJESMA.2019070102-44","first-page":"483","article-title":"Adoption of WAP-enabled mobile phones among Internet users, Omega.","volume":"31","author":"T. S. H.Teo","year":"2003","journal-title":"International Journal of Management Sciences"},{"key":"IJESMA.2019070102-45","unstructured":"Twar\u00f3g, G. (2016). Przychodzi milenials do banku. Retrieved from https:\/\/www.pb.pl\/przychodzi-milenials-do-banku-849978"},{"key":"IJESMA.2019070102-46","year":"2015"},{"key":"IJESMA.2019070102-47","author":"J.van den Bergh","year":"2011","journal-title":"How to create brands that generation Y will love]"},{"key":"IJESMA.2019070102-48","doi-asserted-by":"publisher","DOI":"10.1108\/13673279710800682"}],"container-title":["International Journal of E-Services and Mobile Applications"],"original-title":[],"language":"ng","link":[{"URL":"https:\/\/www.igi-global.com\/viewtitle.aspx?TitleId=228961","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2022,5,6]],"date-time":"2022-05-06T21:56:11Z","timestamp":1651874171000},"score":1,"resource":{"primary":{"URL":"https:\/\/services.igi-global.com\/resolvedoi\/resolve.aspx?doi=10.4018\/IJESMA.2019070102"}},"subtitle":[""],"short-title":[],"issued":{"date-parts":[[2019,7,1]]},"references-count":49,"journal-issue":{"issue":"3","published-print":{"date-parts":[[2019,7]]}},"URL":"https:\/\/doi.org\/10.4018\/ijesma.2019070102","relation":{},"ISSN":["1941-627X","1941-6288"],"issn-type":[{"value":"1941-627X","type":"print"},{"value":"1941-6288","type":"electronic"}],"subject":[],"published":{"date-parts":[[2019,7,1]]}}}