Dissertations / Theses on the topic 'Internet Banking acceptance'

Given that the Chinese economy has experienced rapid growth over the last decade, developing Internet banking and transforming traditional lines of products into web sites beyond "brick and mortar" local branches will be the main drivers for both Chinese banks and foreign banks to tap into the available of Chinese savings. The primary objective of this study is to integrate trust and uncertainty theoretically into the Decomposed Theory of Planned Behavior in investigating determinants that affect Internet banking adoption in a developing country. Thus, this research attempts to evaluate empirically adoption models for Internet banking and employs an integrated model to investigate the factors of Internet banking adoption in Mainland China. Sample date will be collected from Chinese college students in Mainland China. The structural equation modeling technique will be employed to test the proposed hypotheses. This study collected data from two public universities in Shandong Province, China. The results of statistical analysis suggested that beliefs of social norms, behavioral control, and trust have significant influences on an individual's intention to adopt Internet banking service. Within this sample of Chinese students, only perceived image on its attitude belief was not significant. The new knowledge generated in this research study will increase our understanding in financial, accounting, management of information system, business administration, and decision making related to the adoption of Internet banking in Mainland China.

Technology acceptance research is a constantly developing field. The disciplines that contributed to its development are either beliefs focused or system focused. The unified theory of acceptance and use of technology (UTAUT) combined both. The current research model proposes an extension to the UTAUT that accounts for online usage behaviour. The proposed research model is tested in two countries (UK and Jordan) to investigate the viability of the unified model of technology acceptance in different boundaries as a model of individuals’ discretionary usage of Internet banking. The study also questions the roles of other determinants and moderators in this context. Results found support for the effect of the proposed extension, website quality perceptions, on usage behaviour in both countries’ models; the total effect of this extension exhibited website quality perceptions the most influential determinant of usage behaviour in both models and performance expectancy construct was second in effect. Social influence had no impact on the usage behaviour in both models, which is consistent with previous research that advocates a declining role of social influence under discretionary usage and increased experience conditions. Furthermore, the moderating role of performance expectancy previously established in TAM’s research was supported in the UTAUT model in both countries’ models. Moreover, both models reported a non-moderating effect of gender, which, is also in line with recent research findings that suggest declining gender differences under voluntary usage conditions and advanced experience. Education and income were moderators only for the UK model. Although the research findings demonstrated that both countries’ models were “configurally” similar with respect to model specifications, the models’ explanatory power for usage behaviour was dissimilar: the UK’s model explanatory power exceeded that of Jordan’s model presenting an opportunity for future research. The current research contributes to knowledge in the field of technology acceptance research. It demonstrated that website quality perceptions, as a multidimensional concept, play an important role in the online usage context. It also demonstrated that the unified model of technology acceptance established in the western culture can be transferred to a non-western culture although with varying degrees of explanation power.

Customers adoption of Internet banking has become a widely-researched topic, although it is fair to state that some research gaps still exist. This research aims to fill some of the research gaps by examining the factors that determine the relevant behaviour of three different categories of Internet banking customers in China (i.e. current users, non-users, and discontinued users), and by developing two conceptual models that are derived from different, but complementary, theoretical approaches. The Decision Making Model and the Service and Relationship Evaluation Model are developed in this research. The Decision Making Model is grounded in the technology acceptance model (TAM) and it incorporates an additional construct of perceived value of using Internet banking. Additionally, the Service and Relationship Evaluation Model is derived from the service quality evaluation and relationship quality evaluation literature. Unlike in most other Internet banking adoption studies, these two conceptual models are used complementarily to deliver a comprehensive understanding of customers Internet banking adoption in China. The models are tested using a sample of 614 Chinese Internet banking customers collected via mall-intercept personal interviews based on questionnaires. Partial Least Square (PLS) path modelling and mediation analysis are applied to test the hypotheses advanced in the two models. The key findings of this research show that perceived value is a major factor for explaining customers Internet banking adoption, thus indicating to the banks that they should reduce costs associated with using Internet banking while providing more (perceived) benefits to customers; the importance of incorporating perceived value in Internet banking adoption model(s) is also demonstrated. The findings also confirm that perceived usefulness and perceived ease of use are important factors that determine the adoption of Internet banking by all categories of customers. Current users and non-users perceptions of their behavioural control over using Internet banking contribute to their adoption of Internet banking, and such control perceptions are shaped by self-efficacy, perceived government support and technological support. Additionally, it is demonstrated that both current users and discontinued users perceived value and perceived service quality of Internet banking have positive associations with their satisfaction with Internet banking, which lead to their Internet banking adoption. Moreover, the findings reveal that current users are more likely to continue with Internet banking if they are affectively committed to their banks; they are less likely to continue with Internet banking if they are calculatively committed to their banks due to the costs associated with leaving the banks. These therefore indicate the importance of establishing high-quality customer-bank relationships and placing less strict switching cost barriers that impose less pressure on their existing customers. This research contributes to the Internet banking adoption literature by (i) identifying the important category of Internet banking discontinued users, apart from current users and non-users; and (ii) using two complementary conceptual models, which are grounded in different theoretical streams, to investigate the relevant adoption behaviour of all three categories of Internet banking customers. It hence delivers a comprehensive understanding of personal customers adoption of Internet banking in China.

Internet banking has been part of the American and European banking system for many years, but only since 2005 have Omani banks adopted this technology. There is little research on Internet banking adoption in Oman and no research on Omani customers' acceptance of Internet banking. This two-phase research study used the unified theory of acceptance and use of technology (UTAUT) as a theoretical basis. The UTAUT model was modified by adding three constructs (culture, customers' attitude towards computers, trust) to investigate the key constructs influencing customers acceptance of Internet banking. In phase one fourteen managers in seven Omani banks were interviewed to clarify their understanding of Internet banking and determine the main challenges in the early stages of system adoption. The banks had a clear understanding of Internet banking terminology and identified a number of barriers in the early stages of Internet banking adoption which could be classified into internal and external barriers. The research identified the main constructs affecting customers' acceptance of Internet banking from the managers' perspectives and resulted in the exclusion of the 'voluntariness of use' moderator from the original UTAUT model. The second phase explored the key constructs affecting customers' acceptance of Internet banking. Multivariate analysis was used to analyse questionnaire responses from 611 customers. The results identified that one independent construct 'attitude towards Internet banking' comprising six sub-constructs influenced customers' intentions towards Internet banking. Gender, age and educational level moderators influenced the independent construct. Based upon these findings a model of Internet banking acceptance and use in the Omani context was developed that illustrates the key constructs affecting customers' acceptance of Internet banking in Oman. This is considered the major contribution of this research. The study offers potential solutions to overcome Omani customers' loyalty to traditional banking and encourage a shift towards adoption of Internet banking.

Syfte: Syftet med denna studie är att undersöka om faktorn pris påverkar konsumenter vid användning av bankens digitala tjänster. Metod: Vår studie är baserad på en kvantitativ forskningsmetod, som genomfördes medwebbaserade enkäter. Av de 164 påbörjade enkäterna, fick vi ut 162 representativa svar.Av insamlad empirisk data gjorde vi sedan en korrelationsanalys med hjälp avprogrammet SPSS. Analys: Studien visar att variabeln pris har en påverkan på kunder i valet av att användabankernas digitala tjänster. Pris tenderar att bli mindre framträdande då kunden uppleverett högt PU (upplevd användbarhet) eller PEOU (upplevd användarvänlighet). Förslag på vidare forskning: En replikation av denna studie hade varit intressant att semed ett annat urval. Vid genomförandet av denna studie har vi använt oss av ettbekvämlighetsurval, där större delen av respondenterna haft tidigare erfarenhet avinternetbanken. Teoretiskt och Praktiskt bidrag: Studien tydliggör att priset har en betydelse föracceptansen av ny teknologi, i detta fall internetbanken. Prisets betydelse är större hosde respondenter som inte tidigare haft någon erfarenhet av teknologin. Nyckelord: Internetbank, Technology acceptance model, TAM, Pris, Icke-monetärakostnader

This thesis examines the effects of Culture, the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation Confirmation Theory (ECT) and Technology Readiness (TR) on the satisfaction and usage continuance intention of Internet banking customers within the Saudi Arabian context. The aim is to develop and test a new framework for use in determining the factors that affect Internet banking customers’ actual usage behaviours, with a special focus on the role of cognitive processes, and cultural and personal psychological traits. This research uses cross-sectional survey questionnaire methods within a quantitative approach. 261 valid responses were received. Structural Equation Modelling (SEM) was used to test the hypothesised relationships within the research model in Analysis of Moment Structures (AMOS 20) software. ECT is well established in conventional marketing literature and explains how cognitive beliefs and affects lead to customers’ repurchasing behaviour. It was first adopted for the Information Systems (IS) context and then customised to explain IS continuance intention behaviour. However, previous ECT customisations in the IS context present a significant knowledge gap because technology-based services are sensitive to individuals’ psychological traits, which ECT does not account for. This research integrates psychological traits and culture into the ECT framework to explain customer satisfaction and continuance intentions in the context of Internet banking usage. It combines ECT with the UTAUT in order to expand ECT to include more cognitive beliefs. Then it integrates TR and Culture to account for psychological and sociological traits. The results present a new contribution to the body of knowledge by validating a theoretically backed integration of the above models into one structural model. This model broadens the understanding of the factors that influence IS satisfaction and usage continuance intention. Compared to previous studies, the explanatory power of this model is a major improvement, with an R2 of (0.61) for usage continuance intention.

by Leung Bun, Wong Kam Man.
Thesis (M.B.A.)--Chinese University of Hong Kong, 2000.
Includes bibliographical references (leaves 78-81).
ABSTRACT --- p.ii
ACKNOWLEDGEMENT --- p.iii
TABLE OF CONTENTS --- p.iv
LIST OF FIGURES AND TABLES --- p.v
Chapter
Chapter I. --- INTRODUCTION --- p.1
Chapter II. --- LITERATURE REVIEW --- p.4
Chapter III. --- RESEARCH MODEL --- p.10
Chapter IV. --- RESEARCH METHODOLOGY --- p.15
Chapter V. --- RESEARCH RESULTS --- p.20
Chapter VI. --- DISCUSSION OF RESEARCH RESULTS --- p.34
Chapter VII. --- IMPLICATIONS TO MANAGERS AND RESEARCHERS --- p.42
Chapter VIII. --- CONCLUSION --- p.48
APPENDIX --- p.49
BIBLIOGRAPHY --- p.78

The technology is up for grabs and it is pretty much shaping up as the future of services, communications and so on. Some people, as well as companies, tend to use it and mostly rely on it to perform their daily basis activities. Some don’t. With that being said it is important to acknowledge why are some generations and sectors so perfectly engaged with terms like internet banking, and other generations and sectors are so reluctant to its usage. This study provides a look at what are the main factors contributing to the generation’s Y and Z technology acceptance. And what’s the difference this acceptance can make in service sectors such as the banking sector. Through the UTAUT (Unified Theory of Acceptance and Use of Technology) Model the factors and benefits of technology will be put up to test. Generation Y and Z partake in an online survey that counted with 311 respondents to determine their technology intention and usage. The advantages and limitations of the proposed framework are also discussed.
A tecnologia está pronta para ser utilizada e está praticamente a moldar-se como o futuro dos serviços, das comunicações e assim em diante. Algumas pessoas, bem como empresas, tendem a utilizá-la e, na sua maioria, confiam nela para realizar as suas atividades diárias. Algumas não o fazem. Dito isto, é importante reconhecer porque é que algumas gerações e setores estão tão perfeitamente envolvidos com termos como o Internet Banking, e outras gerações e setores estão tão relutantes à sua utilização. Este estudo fornece um olhar sobre quais são os principais fatores que contribuem para a aceitação da tecnologia da geração Y e Z. E qual a diferença que esta aceitação pode fazer em setores de serviços, tais como o setor bancário. Através do modelo UTAUT (Unified Theory of Acceptance and Use of Technology) os fatores e benefícios da tecnologia serão postos à prova. As Geração Y e Z participam num inquérito online que conta com 311 inquiridos para determinar a sua intenção e utilização da tecnologia. As vantagens e limitações do estudo são também discutidas.

碩士
國立臺北大學
企業管理學系
93
Owing to the rapid development of electronic commerce, Internet has characteristics of efficiency, and elasticity. Global businesses follow this tide to find the brand-new business model and close to customers to adjust the core business advantage. Especially in banking industry, they introduce the electronic commerce to application domain and the” e-banking” seems to the common aim of banking industry. In the empirical study of Internet banking user acceptance, we find that because the background and deals environment is thoroughly changed, traditional user technology acceptance model is insufficient. Before internet banking users accept internet banking, they need to realize that adopting this information technology will make financial tasks easier. We suggest increasing four additional external variables to explain the internet banking user acceptance extensively. In the basis of research background and research motive, we develop the following research purposes. (1) Prove technology acceptance model is suitable for the IT of internet banking. (2) Prove “Personalization”, “Alliance Service”, “Task Familiarity”, and ”Accessibility” four variables are the determinants of internet banking user acceptance. (3) Provide Taiwan internet banking promotion strategies to make internet banking in Taiwan used frequently and extensively. After establishing research purposes firmly, the first step is to determine the internet banking user acceptance four determinants via literature review. Using structural equation model to discuss the path relationships among four external variables, “perceived Use of Ease”, “Perceived Usefulness”, and “Adopting Attitude” and prove the research hypothesis. Research findings are as follows after statistical empirical analysis. (1) Prove technology acceptance model is suitable for the IT of internet banking. (2) Prove “Personalization”, “Alliance Service”, “Task Familiarity”, and ”Accessibility” four variables possess strong positive influence to internet banking user acceptance. (3) Provide marketing strategy suggestions about the development of Taiwan internet banking. We can derive implications from the empirical analysis outcome. For example, the more personalization banking customers participates the internet banking service, the more usefulness they perceive the service; Customers expect to get many services or “one-stop shopping” banking service; banking not only design friendly interface, but also increase banking services to raise the information system usefulness.

碩士
國立臺灣科技大學
資訊管理系
91
One of the key issues of the Internet Banking development is user’s acceptance. Internet Banking is a kind of information system via the World Wide Web, which in terms has higher potential risks. In addition, user’s behavior intention is easily affected by the interaction among human beings. Therefore, based on TAM, this study applies the following theories: “Perceived Characteristics of Innovation (PCI)”, “Perceived Risk” and “Social Influence”. First, considering the technology factors, this study modifies the construct namely “Behavior Belief”(Relative Advantage, Perceived Ease-of-Use and Perceived Risk), then re-generalizes the PCI and addresses a new construct named “the Strategy of Perceived Risk Reduction”(Compatibility and Trialability). Second, to the social factors, this study adds one more construct “Social Influence” (Information Influence of the Mass media, Information Influence of the Interpersonal channel and Normative Influence of the Reference group). Base on those constructs, this study proposes an “internet Banking Acceptance Model (iBAM)”. Besides, the study differentiates the potential adopters and the actual users of Internet Banking and then discusses the factors that influence the potential adopters’ adoptive intention and the actual users’ use intention. Finally, the similarities and dissimilarities between adopters and users are discussed and some suggestions are proposed. The study surveys 296 users in the on-line finance boards and communities in four portal sites (YahooKimo, Yam, OpenFind and PChome). The findings are: (1) For the potential adopters’ acceptance of Internet Banking, the R2 of the “Internet Banking Acceptance Model” is higher than the TAM; however, for the acceptance of the users, it’s opposite. (2) ”Normative Influence of the Reference group” and “Trialability” affect the potential adopters’ attitude; moreover, “Perceived Risk” affects the attitude and intention of the potential adopters. (3) “Perceived Ease-of-Use” affects the actual users’ attitude, and “Compatibility” only affects the actual users’ “Perceived Risk”. (4) The “Relative Advantage” and “Compatibility” both affect the attitude of the potential adopters and actual users. The influence of “Relative Advantage” of the user is higher than it of the adopter, but the influence of “Compatibility” of the adopters is higher than it of the user; moreover, “Perceived Ease-of-Use” affects the “Relative Advantage” of the Potential adopters and actual users, the degree of influence of the users is higher than adopters. According to the result above, that’s really had the difference between the potential adopter and the actual user. The academic suggestion gives a specific aspect to the further research, and provides the manager some practical implications.

碩士
淡江大學
企業管理學系碩士在職專班
103
Internet banking is extension of the bank counter, the benefits of not only increase service channel, prolong the business time, reduce operating costs, improve service quality etc., but also increase customer convenience, creating the bank and customer win-win results. Although the promotion of Internet banking are all won customers a wide range of generally accepted, and the impact of bank customers to accept this new technology service factors why, to promote banking using the feeling and the demand on this business seriously and understand the customer has great benefit. This is the motivation of this study. The aim of this study is to build up using Internet banking concept model and verification technology accept model theory, to understand customer intention to use. Therefore, this paper based on Technology Acceptance Model "point of view and theory based, combined with internet banking self - efficacy of external variables to construct bank customers use Internet banking behavior intention questionnaire scale, and the currently used online banking customers as the object of study, empirical theory model for the level Luen. The results are as follows: 1、Internet banking self-efficacy has a positive effect on the perceived usefulness of bank customers. 2、Internet banking self-efficacy has a positive effect on the cognition of bank customers. 3、Bank customers'' perceived ease of use has a positive effect on the perceived usefulness. 4、The cognitive usefulness of bank customers has a positive effect on the attitude of the Internet banking. 5、The perceived ease of use has positive effect on the attitude of the Internet banking. 6、The higher the perceived degree of bank customers'' perceived risk in Internet banking, the lower the attitude of Internet banking. 7、Bank customers have a positive effect on the behavior intention of Internet banking. 8、The cognitive usefulness of bank customers has a positive effect on the behavior intention. 9、The cognition of bank customer has a positive effect on the behavior intention.

碩士
輔仁大學
國際經營管理碩士學位學程
103
Since the Internet has been served as a platform to offer products and services by businesses of all kinds, transactions can also be done through Internet with Internet banking services. As more and more financial institutions are striving for providing efficient and effective services for their clients without visiting to the physical banking stores, possible intentions and determinants must be considered by both managers in the bank and the potential users. This study base on technology acceptance model (TAM) with four external variables: self-efficacy, familiarity of task, system quality and alliance service. While the study also considers the possible factor: perceived risk that hinders users from using Internet banking was proposed to be a negative factor toward the intention to use Internet banking. With more than 218 responses from intended users to use Internet banking service and 95% of response rate, the study found that the proposed external variables have significant influence on perceived ease of use and perceived usefulness, which, in turn, were found to be important factors for developing the positive attitude toward the adoption of Internet banking. At the end of the research, theoretical implications and managerial implications were also discussed.

碩士
育達商業科技大學
企業管理所
101
In the twentieth century, due to technological development by leaps and bounds, Internet in the support of government policy, broadband Internet, wireless Internet access has become a trend. Communication restrictions and opening up and the financial sector in particular, the establishment of a limited relaxation of the emergence of Internet banking, the financial industry a big change, how how to make traditional banks continue to maintain its leading position in this network to replace the era of the road network the build of banks leading the industry, is the key. 　This study has been widely used to explain and predict user acceptance by consumers of information systems technology acceptance model as the basis for the research framework and technology beliefs (perceived usefulness, perceived ease of use), and in the virtual environment of the Internet affect the consumer behavior of trusting beliefs (competence, benevolent heart, integrity) to be combined to explore Internet banking customers of the Bank of Taiwan, the use of Internet banking in the Bank of Taiwan, trusting beliefs, perceived usefulness and perceived ease of use of the feelings of three, whether in line with its expectations and customers to use Internet banking, trusting beliefs, perceived usefulness and perceived ease of use make a comparison, most Internet banking of Bank of Taiwan to improve the amended reference. 　In this study, the Taiwan Bank Internet Banking customer study, questionnaires 187 were effective response rate was 93.5%, through the reliability and validity of the measurement model and structural model of hypothesis testing and the use of the Excell 2003 as the use of data integration software basic information processing, re-use Spss18.0 version statistical software packages to make the relevant analysis, the results show that (1) Internet banking, the trust concept, perceived usefulness and perceived ease of use for online banking customers of the Bank of Taiwan, in addition to male customers. ethnic groups in the perceived usefulness of perceived greater than female customers, ethnic groups and different Internet experience customers have significant differences, the rest there is no significant impact, but their relationship is still showing positive connected. (2) in a number of considerations, the customer care about the top three were security reasons, followed by saving time, and the third is trustworthy.

碩士
南開科技大學
福祉科技與服務管理所
100
Due to the rapid development of e-finance business, it’s been very common for the domestic traditional banks to set up online banking, which has become an alternative to many consumers in dealing with the financial business. However, in the literature of Internet banking, the most study samples are the general people of Internet users, there is little deep study on the older people of Internet users. It’s necessary to understand something about their learning and adaptation about the technology products in an aging society of advanced technology and innovated products. In view of this, this study constructs an Extended Technology Acceptance Model based on theory of reasoned action and technology acceptance model, adding three more variables such as subjective norms, web quality and perceived risks to investigate the acceptance of Internet banking for the older people aged over 45 who are Internet users. Questionnaires were used in this study, and 424 questionnaires were collected. The model verification and analysis were carried out. The revised mode structure of the acceptance of Internet banking for the older people in this study has reached an acceptable standard for the goodness of fit index, which shows the model in the study has good explanatory. The results showed that the subject agree that Internet banking is useful, and their attitude towards the usefulness of Internet banking, web quality, using attitude and using will is closely “agree”. In addition, the ease of use of Internet banking and web quality will significant positive affect the agreement of the usefulness of Internet banking . And the usefulness and web quality will significant positive affect the using attitude of Internet banking , the perceived risk of using Internet banking will significant negative affect the using attitude of Internet banking , and furthermore indirectly affect the using will. Overall speaking, the middle-aged and older adults have high acceptance on Internet banking.

碩士
大同大學
事業經營學系(所)
97
With the openness of the banking regulations towards the development of the internet and the rapid growth of internet users, the banking industry will inevitably move towards the provision of Internet banking services in its development of operations in the future. However, the acceptance of Internet banking services currently implemented by Taiwan's banking sector has not even reached 35%, and most previous studies focused on investigating the technical aspects of Internet banking and have neglected user characteristics. Using Internet banking to perform transactions is a bank customer’s behavioral choice, so understanding what influences the desire in bank customers for using Internet banking is a key factor towards achieving the important goals of streamlining human resources and expanding service areas in the banking industry. Based on an extension of the technology acceptance model, this study will use the classification of Internet banking users in the innovation diffusion theory as a basis to investigate the roles of innovative technology users, and the differences in the design characteristics of Internet banking that they value. Thereafter, we examine the behavioral intention towards the use of Internet banking. This study used an online questionnaire to carry out a survey with experienced customers in the use of Internet banking. Within a two-month period, a total of 429 questionnaires were collected, and 312 questionnaires were considered valid. The following empirical results were obtained by verifying with the structural equation model: (1)“Perceived usefulness” and “perceived system security” led to a significant positive effect on the behavioral intention of the banking customers towards using the Internet banking system. (2)“Perceived ease of use” had a positive effect on the “perceived usefulness” and “perceived system security” of the Internet banking system. (3)The “roles of users of innovation and technology” had a positive effect on “perceived ease of use” and “perceived system security”. (4)The early market majority focused mostly on “perceived usefulness”; the mainstream market majority focused mostly on “perceived system security”; the backward market majority focused mostly on “perceived ease of use”. The results show that perceived usefulness and perceived system security have a positive effect on behavioral intention towards the acceptance of Internet banking, but perceived ease of use has a negative effect on behavioral intention towards the acceptance of Internet banking. However, perceived ease of use has a relatively positive effect on perceived usefulness and perceived system security. Perceived ease of use is the only “hygiene factor” of Internet banking’s level of acceptance; in other words, designing the functions of Internet banking to become easy to use would not increase a bank customer’s usage of Internet banking to perform financial transactions. However, if it were not designed as such, bank customers would not think of using Internet banking at all. Therefore, in order for Internet banking to be accepted by bank customers, the basic requirement is simply “perceived ease of use”, but the behavioral intention towards the acceptance of Internet banking needs to be enhanced with “perceived usefulness” and “perceived system security” as well. Besides, the mainstream market majority is both pragmatic and non-risk-taking, and will rush to start adopting new technology if the new technology can bring real benefits and show no risks after a time for observation. The early market majority recognizes “perceived usefulness”, but they pay even closer attention to “perceived system security” in the use of internet banking systems as compared to the other two user groups. As this group accounts for 62% in this study, they will undoubtedly be the focus of the banking industry in the marketing and promotion of Internet banking services. As for the backward market majority, their acceptance of new technology will take a very long time and Internet banking will especially be difficult for acceptance by this group as they are not willing to accept innovative and technological products or services readily. All in all, if banks focus on the two major characteristics of “perceived usefulness” and “perceived system security” to plan the design of their Internet banking systems under the premise that “perceived ease of use” is a known “hygiene factor”, this technology can then lead to the success of innovation diffusion.

碩士
實踐大學
企業創新與創業管理研究所
99
The popularization of information technologies and the internet promotes the prevalence of e-financial innovation services. This study examines the customer’s behavioral intention of Internet banking by T Test, ANOVA, correlation and regression analysis. This study applies the Technology Acceptance Model (TAM) proposed by Davis (1989) to understand the relationship between each factor as the theoretical basis. This research’s objective is to understand the belief of Perceived usefulness, easiness and security, and to discuss whether various factor can effect the customer’s attitude and behavioral intention of internet banking or not. Results of the study will contribute to the competition in banking industry reference to cost or strategy, which can also offer more convenient and safe innovation services for customers. The findings of the study include: 1. Perceived usefulness, perceived ease of use and perceived security have a direct positive effect on attitude of the Internet banking. 2. The users’ attitudes of the Internet banking have a direct positive effect on behavioral intention . 3. Except age, the sex, educational background, occupation and monthly income on the beliefs and behavioral intention are significantly different. 4. In a conclusion, Internet banking users can not agree to the service with high security. Key words: the Internet Banking , Technology Acceptance Model , perceived security

碩士
崑山科技大學
企業管理研究所
99
Numerous Vietnamese banks have launched online banking services to offer improved service to existing customers and attract new ones. Apart from the traditional type of banking services, customers today require more personalized products and services, and access to such services at any time, and at any place. Although there is no panacea for banks to stay competitive, Internet banking (IB) is one of the advanced information technologies they can employ to achieve a high level of customer services. IB is an emerging technology that permits conduct of banking transactions through the Internet. IB provides real time information, enabling timely fund management decisions. Simultaneously, banks can more easily retain existing customers as well as providing services to customers without constraints of time and place. IB provides a very convenient and effective method of managing personal finances since it is easily accessible 24 hour a day and seven days a week. This study investigates customer’s intention of using IB system between 4 different banking. A research framework based on the extension of Technology Acceptance Model (TAM). Theory was developed to identify factors that would influence customer’s intention of use IB system. The framework includes trust, computer self-efficacy, perceived ease of use, perceived usefulness and intention of using IB system. This study was conducted a survey by giving the questionnaire to customer who have bank account in 4 banks: Agribank, Vietinbank, HSBC and Vietcombank. The data obtain through conducting a survey will be analyzed by various techniques such as descriptive analysis to provide the information regarding the respondent’s gender, age, education degree, occupation…, then using Cronbach’s α, regression analysis, t-test to examine the correlation between each variable and observe the different point of view related to the respondent’s demographic profile. The data obtained through the research’s instrument shows that most of the hypotheses proposed in this study are supported, except the hypothesis about the impact of Computer self-efficacy on Perceived Usefulness and Perceived Ease of Use. The results of this study provided strong, substantial evidence that Trust play significant roles in influencing the intention of using IB directly and indirectly. Perceived Usefulness has significant positive effect on intention of using IB system, this result supports the extension of the Technology Acceptance Model. Perceived ease of use has significant indirect effect on intention of using IB system in the future through perceived usefulness, while its direct effect on intention of using IB system in the present. Theoretical contributions and practical implications of the findings are discussed and suggestions for future research are presented.

碩士
國立臺北科技大學
管理國際學生碩士專班 (IMBA)
100
The new information technology is becoming an important contributing factor in the future development of financial services industry, and more especially the banking services. Banking industries in the Gambia are currently facing with a number of important issues, for examples how to take full advantage of new technology opportunities, and to interact with their customers online through the Internet banking. The purpose of this research is to identify the factors that affect customers’ adoption of Internet banking services in the Gambia. Technology Acceptance Model (TAM) is the primary basis for this study. The data were collected on experienced Internet banking users through a questionnaire survey and a total of 253 usable responses were received out of 500. We conducted Structural equation modeling to examine for the relationships among the constructs hypothesized. The results provide support of the appropriateness of the extended research model in identifying the factors that affect the customers’ adoption of the Internet banking in the Gambia. Our analysis reveals that social influence, awareness of service and relative advantage directly affect perceived usefulness and indirectly affect user attitude towards usage and behavior intention of customers’ adoption of Internet banking services in the Gambia. The findings from this research will provides useful insight for Gambian bank managers to develop their marketing strategy to meet their customer demands with regards to the Internet banking adoption rate.

碩士
朝陽科技大學
保險金融管理系
104
In June 2014, the Financial Supervisory Commission of the Republic of China announced the initiative of “Bank 3.0” to promote online banking, and approved 12 online services to be offered by banks. In October 2015, the Commission launched a trial to allow insurance agents and online banking companies to offer online insurance products. Currently, online insurance products center on term insurance, pay-as-you-go health insurance, travel insurance, vehicle insurance, and compulsory insurance. The current research was thus undertaken to better understand online insurance products. The research used the Technology Acceptance Model created by Davis (1989) and combined it with factors of security and user experience to examine end-users’ attitude and intent when purchasing insurance products through online banking companies. Therefore, the main purposes of the current study are as follows: First, to use the Technology Acceptance Model created by Davis (1989) to examine the factors that affect end-users’ attitude and intent when purchasing insurance products through online banking companies. Second, to examine whether security concerns may affect end-users’ attitude and intent when purchasing insurance products through online banking companies. Third, to examine whether consumers’ user experience may affect their attitude and intent when purchasing insurance products through online banking companies. Fourth, to examine whether consumers’ user experience may affect their attitude and intent when purchasing life insurance products through online banking companies. Finally, to examine whether consumers’ user experience may affect their attitude and intent when purchasing property insurance products through online banking companies. The study conducted online surveys using questionnaires from February to March 2016. A total of 760 valid surveys were collected. Linear regression and logistic regression were employed for analysis. The study found that, first, the majority of consumers have not purchased online insurance products, which shows that online insurance products have yet to gain popularity. Second, when asked of the types of insurance products that they would purchase through online banking companies, the majority of consumers leaned toward travel insurance, casualty insurance, vehicle insurance. Third, the experience in online banking and having purchased online insurance products significantly affected end-users’ attitude and intent to purchase online insurance products through online banking companies. Finally, user experience and the intent-to-use significantly affected end-users’ purchase of insurance products through online banking companies; in particular, end-users’ experience in online banking and their intent-to-use had the most significant impact.

碩士
國立成功大學
企業管理學系碩博士班
100
Because of the Internet become matures, more and more services or products are service or sales through the Internet, Internet banking online services compared to the entity banking services are more quickly and convenience, and less restrict by time and location, so the Internet banking service has become the key point of the competition that between banks. This research is based on the technology acceptance model, and combined with the theory of reasoned action, this study adding factors such as sense of trust on the internet and security risk. It is to explore the influence of usefulness of the internet, ease of use of the internet, sense of trust on the internet, subjective norms, security risks and internet using of attitude of the direct or indirect impact on the intention to use toward Internet banking. This research collect data by online questionnaires, a total number of receive questionnaire is 309, there were 272 effective questionnaires, effective response rate of 88%. In this research, factor analysis and linear structural equation model are applied to examine the conceptual framework and the hypothesis. The findings of the research are stated below: 1.Usefulness of the internet and ease of use of the internet have significant positive effects on the intention to use toward Internet banking, they through the internet using of attitude indirectly effects on the intention to use, and ease of use of the internet will directly effects on the level of usefulness of the internet. 2.Sense of trust on the internet has significant positive effects on subjective norm, subjective norm also has significant positive effects on the intention to use toward Internet banking 3.Internet risk has significant negative effects on internet using of attitude.

碩士
大同大學
事業經營學系(所)
97
In recent years, competition in Taiwan’s financial industry has become increasingly fierce due to finance liberalization and financial holding mechanism implementation. Banks have used diverse financial products and broad channels to satisfy customers’ financial needs. This study uses the new internet banking service HSBC Direct introduced by HSBC in 2006 as a case to examine a non-traditional internet banking service that has exceeded 100,000 customers within only a year. Past internet banking services have been value-added services offered by banks to branch customers already with accounts. But with the emergence of totally virtual internet banking, banks have begun to provide new and convenient Self-Service Technologies (SST) to drive banking services towards digitalization, constituting a large step in the transition to internet-based services. As a result, this study will discuss the services provided by new internet banking and the degree of acceptance by customers, using the successful development of HSBC Direct to attain the purpose of financial innovation. The research framework for this study constitutes primarily of the use of the Technology Acceptance Model (TAM), the Technology Readiness Index (TR), and Self-Efficacy (SF) in examining the degree of users’ acceptance of internet banking HSBC Direct. The research methods involved distributing surveys and then using descriptive statistical analysis and structural equation modeling (SEM) to perform hypotheses testing. In addition, this study examines perceived differences in various characteristic factors of users with different population characteristics and internet banking usage experience. Results showed that users with different population characteristics and usage experience have differences in perception towards internet banking characteristics.

Trabalho de Projeto apresentado como requisito parcial para obtenção do grau de Mestre em Estatística e Gestão de Informação, especialização em Gestão do Conhecimento e Inteligência de Negócio
The understanding of the main determinants of Internet banking adoption is important for banks and users. If banks understand users’ concerns, then they will be able to provide better services. In this investigation we developed a conceptual model that combined the unified theory of acceptance and use of technology (UTAUT) with perceived risk in order to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). We found that the model explained 60 percent of intention to use variance and 81 percent of usage variance. Our findings supported some relationships of UTAUT, as performance expectancy, effort expectancy and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor was behavioural intention.
A percepção dos factores que mais contribuem para a adopção do Internet banking é importante para os bancos e para os utilizadores. Se os bancos compreenderem as principais preocupações e opiniões dos utilizadores, então serão capazes de prestar melhores serviços aos seus clientes. Nesta investigação, foi desenvolvido um modelo conceptual que combina a teoria unificada da aceitação e uso de tecnologia (UTAUT) com o risco percebido, de forma a explicar e intenção e o uso do Internet banking. Para testar o modelo concetual, foram recolhidos dados em Portugal (249 casos válidos). Os resultados mostraram que o modelo explicava 60% da intenção e 81 % do uso. Foram suportadas algumas das relações do UTAUT, como a expectativa de desempenho, expectativa de esforço e a influência social, e também o papel do risco como o forte preditor da intenção. Para explicar o uso do Internet banking, o factor mais importante foi a intenção.

碩士
國立臺北大學
國際企業研究所
98
This study utilized the concept of customer relationship management to investigate the cause and effect relationship among inertia, switching cost, service convenience and technology acceptance model (TAM). The top 14 financial companies in net amount of financial investments of Taiwan on the basis of 533 customers are selected from printing and internet questionnaires as the samples of this thesis by the quota sampling method. The target respondents are people who have internet banking account in these financial service companies. The empirical results of LISREL model indicate that there are positive relationships on the targeted hypotheses, namely different attitude of technology acceptance indirectly enhance the dependence on relationship inertia by switching cost and service convenience. The best approach we provide is perceived usefulness achieves relationship inertia via service convenience positively. In conclusion, the managerial implications of this thesis could provide the appropriate strategies for the internet banking to develop and execute their efficiency and performance of customer relationship methods.

碩士
東吳大學
企業管理學系
101
The exogenous variables of technology acceptance model TAM impact by perceived ease of use and perceived usefulness , are closely related with technology acceptance users . For science and technology service providers, the service providers will want to know what exogenous variables which service providers can proactively control, will not be passively subject to the users of technology acceptance .Exogenous variables by Chinese cultural factors, such as Renqing, Face, affect the commercial friendship .People not simply just kept their mutual benefit of peer relationships, people also have obligations to return favors in the future each other. The value of recipients satisfactory evaluation through the gift giving impact commercial friendships, by the construction of science and technology service providers, and makes users perceived ease of use, and perceived usefulness. In this study, for the issuance of 161 questionnaires were distributed and 105 effective questionnaires were collected. Overall results show that Face, Renqing, the social value , and the expressive value of the gift, Commercial friendship, affect perceived ease of use and perceived usefulness. Households in the SME environment, supervisors and peers will also affect the impact of perceived ease of use and useful, but self-efficacy can only affect perceived ease of use. Again present the results, limitations and recommendations for the future.

博士
國立成功大學
國際經營管理研究所博士班
101
Advances in electronic banking technology, especially the internet banking channel, have created novel ways of handling daily banking affairs, and offered customers flexibility and accessibility that traditional methods have been unable to provide. However, the determination of e-banking success is determined not only by bank and government support but also by customers’ acceptance. Most of studies on information system as well as on internet banking were conducted in developed nations with high economy and technology development such as USA, European, developed Asian area; and in recent researches, those pure model were integrated to account the most relevant factors impacting customers’ technology adoption. The principal objectives of this research are to understand the consumers’ perception towards on their acceptance of internet banking in Vietnam. Given that there are many factors that can influence the usage of internet banking, this study integrates Technology Acceptance Model, Theory of Perceived Behavior, Innovation Diffusion Theory, Social Cognitive Theory, and combining with trust, and personal innovativeness. In the case of Vietnam, we predicted that, besides of technical factors, the effects of trust, personal innovativeness, and facilitating conditions are also important manifest in the relationships of perceptions with internet banking usage. Therefore, this study explores the adoption of Internet Banking by retails customers in Vietnam, and attempts to make sense from three angles: (i) the current adoption rate of Internet Banking; (ii) The influence of empirical factors; (iii) the potential impacts on the strategic activity of banking organizations operating in the Vietnam market. The results indicated that Trust, Self-efficacy, Facilitating condition, technology beliefs and social influence directly impact customers’ intention to adopt internet banking service. All hypotheses which tested the moderator effects of personal innovativeness in technology on four pairs of relationship are also supported, except pair of compatility and social influence on intention to use IBS, but personal innovativeness in technology tended to moderate those relationships. The results benefit the practitioners, internet banking system developers, bank decision makers and banking service providers. The study shed lights on the future plans and solutions to encourage broader implementation and usage of internet banking. Understanding customers’ perceptions on new products, especially new information technology can be a managerial tool in different phases of the development process, from concept initiation to design and implementation to customer support.

Abstracts in English, Afrikaans, Zulu, Tsonga and Portuguese
The purpose of the study was to develop a model of attitudes toward digital banking, by exploring the relationship between values, culture, the diffusion of innovation and the Technology Acceptance. In addition, actual behaviour in the use of digital banking, as well as the moderating effects of gender, age, education level, income, and urban versus rural backgrounds, was included to provide additional insights into the financial services market in Maputo, Mozambique. A quantitative survey with a convenience sample (n = 403) of bankable individuals (male and female) between the ages of 21 and 60, was conducted from 2015–2018. The findings revealed significant relationships between the variables included in the empirical model. Structural equation modelling indicated that the data were a good fit, resulting from the use of a correlations-derived measurement model. These findings provide new insights into the development of tailor-made digital banking actions to drive usage in different segments, which will contribute to the body of knowledge on consumer behaviour and digital banking adoption and use.
Hierdie studie se doel was om ’n model van ingesteldhede teenoor digitale bankwese te ontwikkel deur ondersoek in te stel na die verband tussen waardes, kultuur, die diffusie van innovering en die aanvaarding van tegnologie. Werklike gedrag wanneer digitale bankwese gebruik word, asook die modererende effek van gender, ouderdom, onderwysvlak, inkomste en stedelike teenoor plattelandse agtergrond, is ingesluit om bykomende insigte te verkry in die finansiëledienstemark in Maputo, Mosambiek. ’n Kwantitatiewe opname met ’n gerieflikheidsteekproef (n = 403) van bankbare individue (manlik en vroulik) tussen die ouderdomme 21 tot 60, is in die tydperk 2015 tot 2018 onderneem. Die bevindinge toon dat daar beduidende verbande is tussen die veranderlikes wat by die empiriese model ingesluit word. Die modellering van strukturele vergelykings toon dat die data goed gepas het omdat ’n korrelasie-afgeleide metingsmodel gebruik is. Hierdie bevindinge lei tot nuwe insigte in die ontwikkeling van pasgemaakte digitalebankwese-aksies om gebruik in verskillende segmente aan te dryf. Dit sal bydra tot die bestaande kennis van verbruikersgedrag en die aanvaarding en gebruik van digitale bankwese.
Inhloso yalolu cwaningo bekuwukwenza imodeli yendlela yokubona mayelana nokusebenzisa ibhangi ngendlela yedijithali, ukuhlola ubudlelwane phakathi kwama-value, usiko, ukusabalala kobuqambi kanye nokwamukelwa kwetheknoloji. Nangaphezu kwalokho, indlela yokuziphatha ekusebenziseni ibhangi ngendlela yedijithali, kanye nemiphumela ethobayo yobulili, iminyaka yobudala, izinga lemfundo, ingeniso, kanye nokuqhathanisa abasemadolobheni nabasemakhaya, kwabandakanywa ukuhlinzeka ngemibono engezelelekile kwimakethe yamasevisi ezezimali eMaputo eMozambique. Kwenziwe inhlolovo ngobuningi ngesampuli ye-convenience (n = 403) wabantu abasebenzisa ibhangi (abesilisa nabesimame) abaphakathi kweminyaka engu 21 kanye nengu 60 kwenziwe ukusukela ku 2015–2018 Imiphumela iveza ubudlelwane obubalulekile phakathi kwezinto ezehlukene ezibandakanya imodeli yobufakazi obubambekayo. I-structural equation modelling ikhombise ukuthi ulwazi belungoluhambisana kahle, ngokuvela kumphumela wokusebenzisa i-correlations-derived measurement model. Okutholakele kunikeza imibono emisha ngokukuthuthukiswa kwezinyathelo zokusebenzisa ibhangii ngendlela yedijithali okuhlinzekelwa abantu ngokuhambisana nabo, ukuphakamisa ukusetshenziswa ngabantu bemikhakha ehlukene, lokhu okuthela esivivaneni kumthamo wolwazi ngendlela yokuziphatha kwabasebenzisi, kanye nokwamukelwa kokusebenzisa ibhangi ngendlela yedijithali kanye nokusetshenziswa.
O presente estudo tinha como objectivo desenvolver um modelo de atitudes em relação à banca electrónica explorando a relação entre os Valores, a Cultura e a Difusão da Inovação e Aceitação de Tecnologias. Além disso, o comportamento real relacionado com o uso de serviços da banca electrónica, assim como o efeito moderador do género, idade, nível de escolaridade, rendimentos e os contextos urbano versus rural foram incluídos para permitir melhor compreensão do mercado de serviços financeiros de Moçambique (Maputo). De 2015 a 2018, fez-se um inquérito quantitativo em uma amostra de conveniência (n = 403) de indivíduos bancáveis (masculinos e femininos) com idades compreendidas entre os 21 e os 60 anos. Os resultados revelaram relações significativas entre as variáveis incluídas no modelo empírico. A modelagem de equações estruturais indicou um bom número de dados, o que resultou num modelo canónico de medição derivada de correlações. Ademais, faz-se uma exposição e interpretação de achados sensíveis sob o ponto de vista ético no contexto de banca electrónica baseado no consumidor. Estes achados servirão de base para um novo conhecimento para o desenvolvimento de acções de banca electrónica personalizadas com vista a incentivar o uso em diferentes segmentos, o que acrescentará valor ao conhecimento actual sobre o Comportamento do Consumidor e a utilização de serviços de banca electrónica.
Xikongomelo xa dyondzo leyi a ku ri ku hlamusela malangutelo ya vanhu ehenhla ka ku tirhisiwa ka bangi ya internet hi ku kambisisa vuxaka lebyi nga kona exikarhi ka Mikhuva, Ndhavuko ni ku Haxiwa ka Switirhisiwa Swintswha ni leswi thyiwaka ku amukeriwa ka thekinoloji. Ku engetela kwalaho, ku katsiwile mikhuva ya vhanu ehenhleni ka ku tirhisa bangi ya internet, ku katsa ni vuyelo leri ringaniselaka ro va munhu a ri wanuna kumbe wansati, ntanga, dyondzo, muholo, ni leswaku u tshama dorobeni kumbe emakaya, leswaku ku twisisiwa hi vuenti leswaku mintirho ya swa timali yi tshamise ku yini eMozambique (Maputo). Nxaxamelo wa swivutiso swo teka tinhlayo wu tirhisiwile eka ntlawa lowu voniweke wu ringana (n = 403) wa vanhu lava nga tirhisaka bangi (va xinuna ni va xisati), lava nga ni 21 ku ya ka 60 wa malembe ku sukela 2017 ku ya ka 2018. Tinhlamulo ti kombe leswaku ku ni ku yelana lokukulu exikarhi ka swivutiso leswi katsiweke eka xivumbeko xo hlamusela ha xona. Structural equation modelling yi kombe leswaku ku ni mihandzu yo tala, leswi endleke leswaku ku va ni xivumbeko lexi se xi tiviwaka xa mpimo lowu taka hi ka ku yelana ka swilo (correlations-derived measurement model). Mihandzu leyi yelanaka ni swilo leswi khumbaka mahanyela lamanene leswi lavaka ku voniwa hi vukheta na yona ya vikiwa yi tlhela yi hlamuseriwa hi ku landza matirhelo ya bangi ya internet hi ku ya vatirhisi va yona. Mihandzu leyi yi ta tisa vutisi byintswha leswaku ku makiwa mintirho ya bangi ya internet leyi tivaka ku tsakisa mutirhisi leswaku ku engeteriwa ku tirhisiwa ka yona exikarhi ka mintlawa yo hambana, leswi na swona swi nga ta engetela vutivi ehenhleni ka Mikhuva ya Vatirhisi ni matirhiselo ya bangi ya internet.
Industrial and Organisational Psychology
Ph. D. (Industrial and Organisational Psychology)

The purpose of this study was to examine the level of adoption, usage and factors that influence the adoption of electronic banking (e-banking) by small, micro and medium enterprises (SMMEs) listed in the City of Tshwane Metropolitan Municipality (CTMM). Despite efforts by commercial banks to promote e-banking (internet and cell phone banking) to its customers, the adoption rate for internet and cell phone banking appears to be low. Based on the literature reviewed, the SMME sector has been widely excluded from the formal banking services. It is also observed that e-banking can enable SMMEs to grow and enter international markets. Technology acceptance model (TAM) integrated with perceived risk theory (PRT) was used to investigate factors that influence adoption and usage of e-banking. The study followed a quantitative research approach. Respondents were selected using simple random sampling technique. A structured survey questionnaire was used to collect the data. The survey was conducted on 160 SMMEs in the CTMM with the assistance of fieldworkers. Data were analysed using descriptive statistics, exploratory factor analysis (EFA), Pearson’s bivariate correlation, and multiple regression. The results revealed that perceived ease of use had a significant positive influence on the attitude towards e-banking. Perceived usefulness had a positive but insignificant influence on the attitude towards e-banking. Security risk was the only perceived risk dimension that had a significant negative influence on attitude towards e-banking. However, financial risk, privacy risk, performance risk and social risk had a positive and insignificant influence on attitude towards e-banking. It was envisaged that this study will enable banks to develop strategies that are aimed at increasing their SMME market share.
Finance, Risk management and Banking
M. Com. (Finance)

碩士
世新大學
資訊管理學研究所(含碩專班)
98
With the fast growing amount of internet users and the change from the customer’s consuming habit, internet has brought us the limitless possibilities to electronic commerce, of course, also including the rise of network financial banking services. The network bargain can provide quickly, immediately, and anonymous banking service without any limitation of the working time. More and more people do the investment via internet rather than the physical bank now. To cope with the radical changes and to compete in domestic market, most banks will offer electronic business transaction banking systems to facilitate their customers to do bank business transactions and provide price competition advantage and abundant mutual fund information. The purpose of this thesis is to argue if the adoption of the internet banking systems can meet the requirements, by means of Technology Acceptance Model to discuss its feasibility assessment. Eventually it goes in accordance with the data analysis from the outcome of questionnaire survey and the adoption of testing factors analysis and structural equation modeling. The results of this study show that 13 dimensions “Information Quality”, “Homepage function of Internet Banking”, “Homepage design of Internet Banking”, “Job Relevance”, “Output Quality”, “Computer Self-Efficacy”, “Computer Anxiety”, “Computer Playfulness”, “Perceived Enjoyment”, “Perceived Usefulness”, “Perceived Ease of Use”, “Behavioral Intention to Use Internet Banking”, “Actual Usage” are all the important factors to influence bank customers of using the internet banking systems. 1. Understand the customer’s distribution of demographic influence on Internet Banking. 2. Discuss the influence factor of Use on Perceived Usefulness. 3. Discuss the influence factor of Use on Perceived Ease of Use. 4. Discuss the influence factor of Behavioral Intention to Use on Perceived Usefulness. 5. Discuss the influence factor of Behavioral Intention to Use on Perceived Ease Use. Moreover, use the Structural Analysis to discuss three variables relationship, including Use on Perceived Usefulness, Perceived Ease of Use and Behavioral Intention to Use Internet Banking. 1. Perceived Ease of Use significant effect Perceived Usefulness. 2. Perceived Usefulness significant effect Behavioral Intention of Internet Banking. 3. Perceived Ease of Use significant effect Behavioral Intention of Internet Banking

碩士
明新科技大學
企業管理研究所
99
With the coming of global market, it becomes popular for the consumer to take transactions on the Internet. Additioally, as the e-commerce prevails everywhere, the domestic banking enterprise not only to face the rigorously competitive force from other banks in our country but they also face the competitive challenges from the banks in other advanced countries. It is important for the financial networks to provide for the suitable environment of electronic commerce, and it is especially important in Taiwan because most enterprises in Taiwan are SME generally. Hence, Internet banking plays an important role in this competitive environment. The Intnernet Banking can not only reduce the cost of banking operations tremendously but it also can provide for the integration of logistics and information flows so that the enterprise can reduce their cost and provide for high efficiency to process financial activities. Hence it is the future trend for the banking enterprises to take this electronic access. So the management of the electronic access will affect the leading and survival status of the banks. This study focuses on discussing the management of electronic access by the cases of study method to realize the needs of enterprise customers for the Internet banking. The focus of this study is also on discussing the acceptance of the financial integrated service for the financial transaction platform. At the same time, the study will also discuss the satisfaction degree of customers for the Internet banking through the Technology Acceptance Model (TAM) by discussing the “percieved usefulness” and “perceived ease of use”, and the effect of Internet banking for the users so that it can provide the suggestions for the financial enterprise to develop the business of Internet banking. Keywords: Internet banking, electronic access, technology acceptance model, perceived usefulness, perceived ease of use