Exploration of intentions and behaviors of consumers to use e-banking – Integral views

• Main Authors: Po-lin Yen, 顏伯霖
• Other Authors: Ying-Feng Chen
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/18660807014928512737

碩士 === 樹德科技大學 === 金融與風險管理所 === 96 === E-banking is an emerging market with unlimited potentials. However, few studies explored this field from the viewpoint of users. This study explores the intentions of consumers to use e-banking by an integration model that is derived from structural planning behavior theory based on an extensive concept. Results of this study find: (1) Attitude and perceptual behavior controls are important factors affecting consumers on their intentions to use e-banking; but subjective regulations have no significant affection. (2) Perceptual availability, compatibility, and perceptual risk have no directly significant affection on the attitudes of consumers toward e-banking. (3) Self-efficiency and contributive conditions have directly significant affection on perceptual behavior control of consumers toward e-banking. Furthermore, this study finds that factors affecting consumers to physically use e-banking include: intention of use, perceptual behavior control, and past experience of using network. The implications and discuses of this study will be provided to bankers for reference in setting up their marketing strategies.