| Summary: | 碩士 === 銘傳大學 === 國際企業學系碩士班 === 106 === This research focuses on two principal variables, which are the Quality of Services and the Risk perception of the e- banking system in active banks in Nicaragua. Previous research have shown that despite the growing importance of online banking, there are still not enough studies that provide a holistic view of factors driving the extent of use of the internet as a distribution channel for financial services in Nicaragua.
The development of the Internet has brought full benefits for the international trade platform. Some of the benefits are the capacity for collaboration networking, and the uses of new technologies have secured rapid transactions in the business world.
Client satisfaction is a key aspect for banks, and offering them a handy service is equally important. This paper is important because in the modern banking system, maintaining and developing long-term customer relationships is essential for competitive businesses (Camarero, 2007). Banks and other businesses alike are turning to IT to improve business efficiency, service quality and attract new customers (Kannabiran and Narayan, 2005). Since the research measured the risks, perception of consumers when using the e-baking system the research will provide banks with information regarding fears, doubts and misunderstanding of the use of the e-banking system.
Therefore, based on the literature review a conceptual model has been developed that attempts to examine four main variables: Service Quality, Risk perception and attitude and the intention of use of the e-baking system. In particular, the model proposed that the quality of service and the risk perception affect the attitude of customers toward the usage of the e-baking system.
The data collected used an online questionnaire during April 2017. SPSS statistical software was used to describe demographic information of the sample and then the LISREL program was used to run structural model to test the proposed hypotheses.
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