Branch employees’ perceptions towards implications of e‐banking in Greece

This paper aims to identify the potential effects of e‐banking through literature and surveys the Greek branch employees’ perceptions towards them. According to the relevant literature review the 14 main implications of e‐banking adoption were identified. Based on these findings, a questionnaire was designed and completed by 527 branch employees. Data factor analysis revealed the existence of four distinct factors which were named banks’ “hard advantages”, “soft advantages”, “market effects”, and “risk”, whereas further analysis provided evidence of the relationship that exists among the perceptions, the personal characteristics of the respondents and the organisational characteristics of their banks.