Purpose – This paper seeks to shed light on the challenges and opportunities demographic transitions bring about to the banking sector. Increasing life expectancy, coupled with an increasing old age dependency ratio has implications for the demand for financial services. This opens a window of...

Purpose – This study aims to examine innovation adoption in the context of internet banking in Estonia. Design/methodology/approach – The data presented in this study are based on 1,831 questionnaires collected from individual internet banking users in Estonia. Findings – This study...

Purpose – The purpose of this paper is to use psychological theory to improve our understanding of financial advice-taking. The paper studies how a working alliance between financial service customers and advisors affects the advisor's assessment of the financial service buyer's perceived risk...