Journal Article
U.S. households' access to and use of electronic banking. 1989-2007
Hogarth, Jeanne M.; Robbins, Eric; Bell, Catherine J. (2009-07)
Nationwide surveys show that consumers are increasingly embracing technology to make payments and manage their personal finances. However, only about one in two consumers could be considered a heavy user of electronic banking. This article examines changes over time in consumers? access to, adoption of, and attitudes toward various e-banking products and services and looks at several emerging technologies.
Federal Reserve Bulletin , Issue Jul

Journal Article
U.S. Households' Access to and Use of Electronic Banking, 1989-2007
Hogarth, Jeanne M.; Robbins, Eric; Bell, Catherine J. (2009-07)
Nationwide surveys show that consumers are increasingly embracing technology to make payments and manage their personal finances. However, only about one in two consumers could be considered a heavy user of electronic banking. This article examines changes over time in consumers' access to, adoption of, and attitudes toward various e-banking products and services and looks at several emerging technologies.
Federal Reserve Bulletin , Volume 95 , Issue 7 , Pages pp. A99-A121