Innovations in the Retail Banking Industry

Lisa M. Sciulli, series edited by Stuart Bruchey, Allan Nevins Professor Emeritus, Columbia University.

• Preface 1.0 The Research Problem 1.1 Introduction 1.2 Research Objectives 1.3 Research Model 1.4 Organization of Document 2.0 Literature Review 2.1 Introduction 2.2 Innovation Theory 2.2.1 Innovation Types 2.3 Organizational Structure 2.3.1 Organizational Structure and Innovation 2.3.2 Organizational Structure and Innovation Type 2.4 Perceived External Environmental Dimensions 2.4.1 Perceived Environment and Innovation 2.4.2 Perceived Environment and Innovation Type 2.5 Additional Factors Effecting Innovation Process 2.6 Summary of Innovation Literature 3.0 Research Methodology 3.1 Research Model 3.2 Definition and Operationalization of Innovation 3.3 Formulation of Research Hypotheses 3.3.1 Organizational Structure 3.3.2 Perceived External Environment Research Design 4.1 Sample Characteristics 4.2 Data Collection 4.3 Operationalization of Research Constructs 4.4 Data Analysis Development of Innovation Typology 5.1 Operationalization of Innovation Typology 5.2 Reliability and Validity of Innovation Typology Operational (National) Survey 6.1 Research Sample 6.2 Data Collection 6.3 Respondent Profile 6.4 Operationalization of Research Constructs 6.4.1 Evidence of Innovation Adoption 6.4.2 Organizational Structure 6.4.3 Perceived External Environment 6.5 Reliability 6.6 Validity Results of Hypotheses Testing 7.1 Evidence of Innovation Adoption 7.2 Bivariate Analysis of Adopters Versus Non[1]Adopters 7.3 Discriminant Analysis of Research Model 7.4 Supplemental Analyses of Hypotheses 7.4.1 Cross Tabulations of Innovation Adopters with Constructs 7.4.2 Adoption Tendency Scales 7.4.3 Correlations of Adoption Tendency Scales with Constructs 7.4.4 Cross Tabulations of Adoption Tendency Scales 8 Conclusions, Contributions, Limitations, and Future Research Directions