An Empirical Study of Factors Influencing the Adoption of Internet Banking

• Main Authors: Tung-Heng Hsieh, 謝東衡
• Other Authors: Chechen Liao
• Format: Others
• Language: en_US
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/47668682525903863467

碩士 === 國立中正大學 === 資訊管理所 === 96 === With rapid development of information technology, the banking industry has undergone significant operation changes over the last decade. Moreover, Internet banking has become the major channel for the customers to do banking services. Apparently, it is necessary to discuss the issue of adoption of Internet banking. Owing to few studies have examined the role of privacy concerns, trust and their antecedents in this issue, we consider that it is essential to identify the factors affect the adoption of Internet banking. Therefore, an empirical study was undertaken and the data of 670 responses was collected. The research model and hypotheses were verified by structural equation model. In our attempt to bridge this gap, we found that perceived vulnerability, social awareness, perceived similarity, and perceived reputation were significant factors influencing the adoption of Internet banking. The research findings are depicted as follows: 1. Perceived vulnerability and social awareness have positive effects on privacy concerns. 2. Perceived reputation and perceived similarity are the key factors that would affect customers'' trust. 3. Customers'' trust in Internet banking would affect their behavioral intention.