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Technology and innovative thinking have changed the design and delivery of banking services dramatically these days. An Internet bank is an electronic, virtual bank having little or even no branching system and relying on others' physical networks to meet the majority of customers' physical transaction needs. The critical success and failure factors of Internet Banks have been explained only by the economies of scale, and the learning and experience effects of Internet Banks based on the perspective of ecologies. In this paper, the critical success factors of Internet Banks are investigated based on the strategic choice by organizations and the resource-based view of the firms instead of an organizational ecology perspective.
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