
""






"" DGTL#U""
"
 "


""
 DGTL#U""
      
    "        
          

 


"            

97.4  
49.550.5500 
        


48 
                

90 3525
 Best Marketing International 
 
10   
    89.8
   
 
   "

85.6  



 

     

 77
 Born Interactive
96.
 5       


 
      
  
  
   

 ""
 94.5

81.6                

           


    
  

Facelift
 



   

     

 MEVP    
 
 
      
  

      
18-24 years old   
 
<18 years old
25-35 years old
  

0.5%
14%
48%
      
    

 
Employee
Self-Employed
Unemployed
Student
   21%       FOO 

69%
0.5%
9.5%
   
What
    do          
 you do?
46-55 years old
Older than 55
  old
 36-45 years   

22%
6.5%
              9% "

        
How old are you?

20142013
2014

5beL

Leb58 1202.indd 82
Leb59 1205.indd 56

82
56

12/19/2013 12:37:46 PM
1/23/2014 9:32:22 AM







51.9%



24.3%


Fair

Good

18-24 years old

12.7%

25-35 years old

51.3%

36-45 years old

21.5%

male

46-55 years old

Older than 55

8.9%

5.7%

Female

51.9%

48.1%

""U#LTGD ""


 





21.6 
Excellent Bad
2.2
  


%

%

Generally, how do you rate the internet service?

         "


         





           




 



 

3G



50% No

         

evitcaretnI nroB   Yes   
 50%  


     
problemswith3G services inarea?

Do you usually face coverage    your 
      



        

 
 
coverage problems

facing coverage problems

tfilecaF


       




 
      

     
Home      @ Work  In Coffee Shops
 @  

 
89.8%    
85.6%
39.6%
 








     OOF 
 Antwhere,I use 3Gmy
   on  phone
Antwhere, I have 3G dongle
   77  
 %
11.2%
     
" usually     
Where do you   useinternet?  
      

   21.5   0.6   


70.9
7.0
 Whoaccessestheinternet daily? 
        
          
    "
Employee

%

Self-Employed

%

Unemployed

%

Student

%




       
               
 lanoitanretnI gnitekraM tseB 
"3-4  days   
 

7 
Times
days
Timesdays   days  
  



1%
  1.6%   97.4% 
  
  
  manytimes  accessthe perweek? 
How   do you   internet   
         
           
           
             
           
79""    
             
73.5 ""
 59"  "" 
       " 
 PM  58  " "
     VE  
  " "  ""
 
     
50.8
       
  3525
       
   71.8
     
28.6  51
          

         
         
       
      
     
                    
 43     
     
705 
      .     
41.7
  



28  3102 4102
57  2014

MP 64:73:21 3102/91/21
Leb59 1205.indd 57

28 ddni.2021 85beL
1/23/2014 9:32:26 AM

Leb58






%

55%

79


No
31

59%

94.5

%

%

58%

NO
NE

"  DGTL
Yes"#U""

%

73.5


3.5
%


    products   
Do you buy   online?
        



"

       
               
 Best Marketing International 
     "
22.2
4.3
9.4
53.8
10.3


    %   46.2%

53.8
  
  
          

  

    
  

70.9%
24.8%
0.9%
3.4%
 

18-24 years old

25-35 years old

%

36-45 years old

male

Employee

46-55 years old

%

%

%

Older than 55

%

Female

Self-Employed

Unemployed

Student

Who buys products online?

     
 MEVP    
  
 ""    
   
      
      
     
      

     
        
 57.     
    1    

 
 59.7        
        
         
       
      
       
          

47.9
     
      
 
        33.3

%

11.5%

24

"        
Do you have an account on the below social media?
 

           




 

22.8
8.7
2.7 
13.4
52.3
18-24 years old

25-35 years old

%

36-45 years old

46-55 years old

%

%

Older than 55

%

%



     
 Born Interactive

49%
     

      
        

male

Employee

Self-Employed

Female

51%

Unemployed

Student

20.1%
7.4%

Facelift0.7%
  phone browsing?
Who uses smart   


 
 

   
3525 
    
53.5  46.5   

13.3   
40    
     
  

53
71.8%

 FOO     
      


   
       
        
    
   
 

         

      "
      
 
20142013
2014

5beL

Leb58 1202.indd 82
Leb59 1205.indd 58

82
58

12/19/2013 12:37:46 PM
1/23/2014 9:32:30 AM







59.7%

77.3%

59.7% 47.9%

57.1%

Clothes

Cosmetics

Entertainment
Entertainment

10.2%
I donÕt know,
I never asked

Clothes

Yes

Bank

Mobile Apps
Mobile Apps

85.3%

23.5% 5%
5%

Airline Tickets
Airline Tickets


57.1% 23.5%

47.9%

4.2%

4.2%

Groceries
Food

Cosmetics

Groceries
Food

3.4%

3.4%

Sports Apparel
Equipments

77.3%

Other
Other




Sports Apparel
Equipments

""U#LTGD ""


 

4.5%No
   







(i.e. games,
music, books…)

(i.e. games,
music, books…)

 Doesanyof banks you    onlinebanking?
    the    deal with offer   "

         




           







 


 2.2%
 

My bank dosenÕt
offer internet banking

services

Bank


4.4%
   donÕthave access 
I        
evitcaretnI nroB  tointernet    
   

   26.7% 

Other 


    66.7%  

 


   Ioverconcern  
have  
 security

 

Why don't you use internet banking?

tfilecaF


       




 
      

     

       



    19.1   
           
  15.6   
    

    26    








       
66.7      OOF
     
  
     

           
     
"        
        
      


           
        
What of products  mostlybuyonline? 
 kind    do you     
    "
       
           
      
 lanoitanretnI gnitekraM tseB 
"      
39.3%
   Iinternet banking 
frequentlyuse
   


%
Bank      26.0  
I donÕt use
       internet 
  banking
         19.1% 
  
       ISometimes
   use
        internetbanking 
   
       15.6%  
  
   Iinternetuse  
      
rarely 
  banking
           
    Doyouuseonlinebanking?
     
       
    PVEM 
  23.   
        5     
   
          
     
        
          
          
    
  
       
  
      
  
             
         
             
   
                  
   
               
"  .3  
        " 85     
39.3
  




28  3102 4102
59  2014

MP 64:73:21 3102/91/21
Leb59 1205.indd 59

28 ddni.2021 85beL
1/23/2014 9:32:32 AM

Leb58






93.6   

 "" 23"" 
"""" 
         ""
 57.5
" "    42.5   
10"" Like
 "" Follow ""
        
  " 
        " DGTL#U""
 
        

       
         

          "        
          

 

On which networks is/are your bank/banks active?
 
"            
    

           

       

43.7

            

11.5    
 Best Marketing International 
 

44.8  "
      





1  

83
9.8%
45.1%
3.7%
1.2%
27.
     

 
 Born Interactive
      95.7

    
        
17.430.4
   
 
         4       

17. 
1.2%
2.4%
           
52.4%

   

95.2 
   
 
 55.2     
Do you interact with your bank(s) on social media networks?
Facelift

  
4536
   
        

     



 MEVP    
 
 

      

  

       
      
     


97.9%
4.2%
31.3%
  

To make bank transfers
To check
To post enquiries
  
     your balance

between my own accounts
     
within the same bank
  
   

     
     
       
           FOO 

         
     
2.1%
10.4%
8.3%
     8.3%
             utilities  private
 
To make bank transfers
To pay 
For
Other

between my
banking
  in
 differentaccounts  
banks
 

       do you use it the most?

Why    "
      
        
 



I follow my bank
on twitter

I connected with
them on Google+

I liked its page
on Facebook

I subscribed to my
bankÕs updates on
LinkedIn

I follow then on
other channels

I subscribed to their
YouTube channel

None of the above, I donÕt
check my banksÕ accounts
on SM networks

20142013
2014

5beL

Leb58 1202.indd 82
Leb59 1205.indd 60

82
60

12/19/2013 12:37:46 PM
1/23/2014 9:32:35 AM

Lebanese Consumer Adoption of Online Banking and Online Retailing

  • 1.
     ""     "" DGTL#U"" "  "   "" DGTL#U""            "                         "              97.4   49.550.5500             48                    90 3525  Best Marketing International    10        89.8          "  85.6                 77  Born Interactive 96.  5                               ""  94.5  81.6                                         Facelift                   MEVP                           18-24 years old      <18 years old 25-35 years old     0.5% 14% 48%                Employee Self-Employed Unemployed Student    21%       FOO   69% 0.5% 9.5%     What     do            you do? 46-55 years old Older than 55   old  36-45 years     22% 6.5%               9% "           How old are you? 20142013 2014 5beL Leb58 1202.indd 82 Leb59 1205.indd 56 82 56 12/19/2013 12:37:46 PM 1/23/2014 9:32:22 AM
  • 2.
         51.9%  24.3%  Fair Good 18-24 years old 12.7% 25-35years old 51.3% 36-45 years old 21.5% male 46-55 years old Older than 55 8.9% 5.7% Female 51.9% 48.1% ""U#LTGD ""          21.6  Excellent Bad 2.2      % % Generally, how do you rate the internet service?          "                                          3G   50% No           evitcaretnI nroB   Yes     50%          problemswith3G services inarea?  Do you usually face coverage    your                          coverage problems facing coverage problems tfilecaF                               Home      @ Work  In Coffee Shops  @      89.8%     85.6% 39.6%                OOF   Antwhere,I use 3Gmy    on  phone Antwhere, I have 3G dongle    77    % 11.2%       " usually      Where do you   useinternet?             21.5   0.6      70.9 7.0  Whoaccessestheinternet daily?                          " Employee % Self-Employed % Unemployed % Student %                            lanoitanretnI gnitekraM tseB  "3-4  days       7  Times days Timesdays   days         1%   1.6%   97.4%          manytimes  accessthe perweek?  How   do you   internet                                                                79""                   73.5 ""  59"  ""         "   PM  58  " "      VE     " "  ""         50.8           3525            71.8       28.6  51                                                                            43            705        .      41.7      28  3102 4102 57  2014 MP 64:73:21 3102/91/21 Leb59 1205.indd 57 28 ddni.2021 85beL 1/23/2014 9:32:26 AM Leb58
  • 3.
        % 55% 79  No 31 59% 94.5 % % 58% NO NE "  DGTL Yes"#U""  % 73.5  3.5 %     products    Do you buy   online?             "                           Best Marketing International       " 22.2 4.3 9.4 53.8 10.3       %   46.2%  53.8                                70.9% 24.8% 0.9% 3.4%    18-24 years old 25-35 years old % 36-45 years old male Employee 46-55 years old % % % Older than 55 % Female Self-Employed Unemployed Student Who buys products online?        MEVP         ""                                                     57.          1         59.7                                                               47.9                        33.3 % 11.5% 24 "         Do you have an account on the below social media?                       22.8 8.7 2.7  13.4 52.3 18-24 years old 25-35 years old % 36-45 years old 46-55 years old % % Older than 55 % %         Born Interactive  49%                         male Employee Self-Employed Female 51% Unemployed Student 20.1% 7.4%  Facelift0.7%   phone browsing? Who uses smart               3525       53.5  46.5     13.3    40               53 71.8%  FOO                                                                 "          20142013 2014 5beL Leb58 1202.indd 82 Leb59 1205.indd 58 82 58 12/19/2013 12:37:46 PM 1/23/2014 9:32:30 AM
  • 4.
         59.7% 77.3% 59.7% 47.9% 57.1% Clothes Cosmetics Entertainment Entertainment 10.2% I donÕtknow, I never asked Clothes Yes Bank Mobile Apps Mobile Apps 85.3% 23.5% 5% 5% Airline Tickets Airline Tickets  57.1% 23.5% 47.9% 4.2% 4.2% Groceries Food Cosmetics Groceries Food 3.4% 3.4% Sports Apparel Equipments 77.3% Other Other   Sports Apparel Equipments ""U#LTGD ""      4.5%No            (i.e. games, music, books…) (i.e. games, music, books…)  Doesanyof banks you    onlinebanking?     the    deal with offer   "                                        2.2%    My bank dosenÕt offer internet banking  services Bank  4.4%    donÕthave access  I         evitcaretnI nroB  tointernet             26.7%   Other        66.7%           Ioverconcern   have    security    Why don't you use internet banking? tfilecaF                                               19.1                  15.6              26                     66.7      OOF                                   "                                               What of products  mostlybuyonline?   kind    do you          "                             lanoitanretnI gnitekraM tseB  "       39.3%    Iinternet banking  frequentlyuse       % Bank      26.0   I donÕt use        internet    banking          19.1%            ISometimes    use         internetbanking             15.6%         Iinternetuse          rarely    banking                 Doyouuseonlinebanking?                   PVEM    23.            5                                                                                                                                                                        "  .3           " 85      39.3       28  3102 4102 59  2014 MP 64:73:21 3102/91/21 Leb59 1205.indd 59 28 ddni.2021 85beL 1/23/2014 9:32:32 AM Leb58
  • 5.
        93.6     "" 23""  """"           ""  57.5 " "    42.5    10"" Like  "" Follow ""            "          " DGTL#U""                                          "                        On which networks is/are your bank/banks active?   "                                         43.7                11.5      Best Marketing International     44.8  "             1    83 9.8% 45.1% 3.7% 1.2% 27.           Born Interactive       95.7                17.430.4                4         17.  1.2% 2.4%             52.4%       95.2         55.2      Do you interact with your bank(s) on social media networks? Facelift     4536                         MEVP                                             97.9% 4.2% 31.3%     To make bank transfers To check To post enquiries         your balance  between my own accounts       within the same bank                                        FOO                   2.1% 10.4% 8.3%      8.3%              utilities  private   To make bank transfers To pay  For Other  between my banking   in  differentaccounts   banks           do you use it the most?  Why    "                    I follow my bank on twitter I connected with them on Google+ I liked its page on Facebook I subscribed to my bankÕs updates on LinkedIn I follow then on other channels I subscribed to their YouTube channel None of the above, I donÕt check my banksÕ accounts on SM networks 20142013 2014 5beL Leb58 1202.indd 82 Leb59 1205.indd 60 82 60 12/19/2013 12:37:46 PM 1/23/2014 9:32:35 AM