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• W321896756 abstract "The primary purpose of this paper is to investigate the usage of the Internet as a tool in personal finance decision-making with a focus on investment decisions. This study uses the data gathered by telephone interviews from a national survey of randomly selected 911 U.S. households with incomes of $75,000 or greater. The average interview length was twenty-two minutes. On the list of six potential sources of investment information, the Internet was the third most used source preceded by print media and financial advisors. There is a positive correlation between Internet usage and income as well as education level. Ordinary least squares regression was used to determine the differences between internet users and non users. The results show that older Americans are more likely than younger Americans to use Internet to access financial information for investment purposes. And, men were more likely than women to use the Internet to access financial information. Internet usage was also differentiated by race. Use of internet to access financial information was most common among Asian Americans, followed by Whites, Hispanics and Blacks. The most common reasons for not using internet included security concerns, websites are difficult and confusing and preferences for working with people. The results of this study will be useful for educators, financial advisors and policymakers in developing cost effective and individually tailored Internet financial education programs. Introduction It can be easily seen that the Internet is revolutionizing the business world from a macroeconomics perspective: quick and reliable e-mail communication, online project management, electronic management of employee benefits, etc. What cannot be seen as easily is the effect the Internet has on a microeconomic environment, primarily individual behavior and how the Internet is being used on a household by household basis to access financial information, particularly when making investment decisions. There are many different uses of the Internet for individuals, including recreational, work, and personal research. Recreational use can include things such as e-mail, social networking, and gaming. Internet usage for work may include inter-office communication, research, among various other things. Finally, the Internet canbe used to access financial information and conduct personal research in order to aid the decision-making process. Types of decisions that can be made with the use of the Internet include purchasing decisions, organizing activities, creating itineraries, and numerous other decisions that are made easier by accessing quick and reliable information on the Internet. The primary purpose of this paper is to investigate the usage of the Internet as a tool in personal finance decision-making with a focus on investment decisions. This study will explore the usage of the Internet as a source of financial information and to identify reasons why most Americans do not use the Internet as a source of financial information. The paper also explores socio-demographic differences among those who do and those who do not use Internet as a source of financial information and the most common reasons for not using the Internet. The paper begins by summarizing an extensive literature review into the use of the Internet as a tool for accessing financial information to make financial decisions. The next section includes an analysis of a national data set to determine the proportion of respondents who used the Internet as a source of financial information and the reasons givenby those who did not use Internet as a source of financial information. The following section summarizes the results of the regression analysis to determine the socio-demographic characteristics that are likely to predict the use of the Internet among survey respondents. The study then further elaborates the reasons for not using the Internet and how those reasons differ by socioeconomic and demographic differences. …" @default.
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• W321896756 date "2010-12-01" @default.
• W321896756 modified "2023-09-22" @default.
• W321896756 title "The Use of the Internet as a Source of Financial Information by Households in the United States: A National Survey" @default.
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