Our empirical study focuses on consumers in the financial services industry where on-line sales channels are becoming more important. We present our findings in the following sections. First we discuss the consumer and organizational perspective of on-line channels for financial services. We identify the components of our model and analyze the empirical survey-based results used to validate it. And finally we present the results and managerial implications that arise from our study.
Ramaswami, Sridhar; Brett, Karen; and Strader, Troy, "Electronic Channel Customers for Financial Products: Test of Ability-Motivation-Opportunity Model" (1998). AMCIS 1998 Proceedings. 112.