The Key Factors Affecting Consumer''s Use Behaviors in the Internet Banking

• Main Authors: Lin-Chih Wei, 林志偉
• Other Authors: Teh-Chaw Liang
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/65765991363602928569

碩士 === 淡江大學 === 資訊管理學系碩士班 === 96 === 　　Along with the Internet popularization, each kind of financial service accesses the net in abundance, various bank in abundance tenable internet banking, also concentrated the massive mental efforts regarding the internet banking service, hoped will be able in the future internet banking service, to provide to a customer more perfect service. 　　This research is based on Unified Theory of Acceptance and Use of Technology（UTAUT）to discuss the key factors affecting consumer''s behavior intention and use behavior in the internet banking. Simultaneously considered carries on the transaction in the Internet, the security is a question which the consumer and the bank most takes. But internet banking security whether can affect consumer''s Perceived Risk, then causes Perceived risk to affect user''s behavior intention, also is this research wants scope of the discussion. 　　146 effective samples were taken form a sampling survey of questionnaire by Convenience sampling . The finding shows that：（1）Performance Expectancy, Effort Expectancy would significant influence consumer''s behavior intention using the Internet Banking positively. Perceived Risk would significant influence consumer''s behavior intention negatively. Social Influence would not significant influence consumer''s behavior intention.（2）Behavior intention would significant influence consumer''s use behavior using the Internet Banking positively. Facilitating conditions would not significant influence consumer''s use behavior.（3）The Internet Banking Security would significant influence consumer''s Perceived Risk Using Internet Banking negatively.