CELLPHONE BANKING ADOPTION AND CONTINUANCE OF USE IN AN INTERNET BANKING CONTEXT A STUDY OF CONSUMERS CROSS-CHANNEL COGN

Although we as consumers began using the Internet as a communications and
transactions medium in the early 1990s, the Internet existed long before that. In 1962,
Licklider introduced the concept of a global network of computers, referring to it as
“Galactic network” (Anonymous, No date-a). Initially, the Internet was not developed for
commercial purposes. In the 1960s the driving force behind the development of a global
network of computers was for the United States of America (USA) to control bombers and
missiles in the case of a nuclear event. In the 1970s, internet technology was further
developed by the Defence Advanced Research Projects Agency (DARPA) and networked
protocol, and later on TCP/IP (the communication protocol for the Internet), was developed
that enable computers on the same network or different networks to communicate with
each other.