A Study of User Behavior Based on the ATM and WEB ATM–A Case Study of Y Bank

• Main Authors: Ching-Lung Wang, 王進隆
• Other Authors: Ming-Dar Hwang 黃明達
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/p4g3d5

碩士 === 淡江大學 === 資訊管理學系碩士在職專班 === 97 === This study is based on ATM and WEB ATM transaction function analysis of examples, so understanding physical ATM and WEB ATM user behavior differences, the purpose of statistical analysis of the results is expected that the public to understand the ATM, WEB ATM electronic banking technology the use of the properties and behavior trends, can provide banks in the financial market segmentation of reference. In this study, using case study method. We found that: (1) WEB ATM and ATM users, male and female differences in amounts less transactions. (2) user transactions are very large differences in total amounts, including ATM accounted for 92.03%, WEB ATM accounting for 7.97%. (3) the majority of ATM transactions focused on ATM cash transactions, accounting for 81.916 percent of all transactions, the amount is relatively small, from more than zero is used, the average amount of 13,507 yuan, while the majority of WEB ATM transactions focused on the transfer transaction, accounted for 94.612 percent of all transactions, the larger the amount of transfer, the average amount of 20,966 yuan. (4) WEB ATM and ATM transaction rate of the distribution amounts are the same three regions, followed by Taipei City, Kaohsiung City, Taipei County, after the three lines were in Tainan, Miaoli County, Pingtung County. (5) WEB ATM transaction amounts were the ratio of the top three IT industry, the financial sector, education services, and the ratio of amounts ATM were the top three services, freedom of industry, information industry.(6) WEB ATM and ATM cities and counties in each population were generated by count(times) the number of the ratio of the top three are the same region, followed by Hsinchu County, Miaoli County, Kaohsiung City.