Purpose: To explain the innovation resistance and consumer acceptance of internet-only bank services, this paper proposes an integrated research model that builds on the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2) and Innovation Resistance Model (IRM).We aim to identify...

We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification strategy uses services suspensions caused by criminal groups that perform hit-and-run raids exploding branch facilities and rendering them inoperable for months. We show that...