The Impact of Internet Bank Security on Users'' Risk Perception and Acceptance

• Main Authors: Chou, Ching-hong, 周景弘
• Other Authors: Wu Tsong-Fan
• Format: Others
• Language: zh-TW
• Published: 1997
• Online Access: http://ndltd.ncl.edu.tw/handle/15683581167056356354

碩士 === 國立臺灣大學 === 會計學系 === 85 === This study investigates the impact of internet bank security on users'' risk perception and acceptance. First, a primitive study was conducted on 25 internet banks. The researcher analyzed these banks and classified their security into two types:1. System security, which means the security of network transmission and computer systems.2. Transaction security, which means the insurance and assurance of bank transactions. Each type has three security levels. This thesis hypothesizes the security levels affect user''s risk perception and acceptance. This thesis also hypothesizes users'' involvement and their internet experiences have impact holding security levels the same. The researcher created an experimental internet bank and conducted an experiment to test the hypothesis. The results are the following:1. Users consider the bank more risky when system security levels are higher. However, transaction security does not have the same impact.2. Involved users consider the bank more risky than uninvolved users holding security levels the same. However, systems security does not have the same impact.3. If personal factors are ignored, security levels do not affect acceptance. 4. Involvement does not affect acceptance holding security levels the same.5. Users'' internet experience affects acceptance holding security levels the same. System security encourages acceptance in experienced users but discourages inexperienced users.6. There is a negative relationship between users'' perceived risk and their acceptance.