The Study of the Relationship on Intention to Use toward Mobile Banking － Integrating the Perspectives of Technology Acceptance Model and Task-Technology Fit Model

• Main Authors: I-Chen Chen, 陳宜辰
• Other Authors: Kuo-Wei Lee
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/mxrbqu

碩士 === 國立臺中科技大學 === 企業管理系事業經營碩士班 === 102 === Due to the advances in mobile communication technology and the popularity of smart phones, mobile banking has changed financial transaction style dramatically. It is a destructive innovation, and it also holds the key of profitability and sustainability for banking industry. The Development of Mobile banking seems to be promising, but its usage is still low. Therefore, the present study is to investigate the key factors that affect the intention to use from the consumer''s point of view. The findings will be able to provide the foundation for financial industry during the process of mobile banking establishment, development, and promotion in the future. The research framework is based on Technology Acceptance Model and Task - Technology Fit Model. In addition, this study also considers psychological characteristics of the use of mobile banking, such as personality trait of openness, and anxiety of technology, and network externalities. The researcher expects to present the importance of the factors affecting the intention to use more in-depth and systematic.   Through convenience sampling, three hundred questionnaires were distributed to those who are aged twenty or elder above and either willing to or actually use the mobile banking. The valid questionnaires were 287, and the responding rate of questionnaires was 95.6%. The results showed that (1) the personality traits of openness, network externalities and Task-Technology Fit have a significantly positive impact on users’ perceived ease of use; (2) Technological anxiety has a significantly negative impact on the operations of banks perceived ease of use; (3) the task characteristics and technology characteristics generate significantly positive effect on the task of mobile banking - technology fit; (4) Perceived ease of use and the Task-Technology Fit impact perceived usefulness of mobile banking significantly positively; (5) Perceived usefulness of mobile banking has a significantly positive impact on the intentions of use.