An Exploratory Study Into The Adoption of Internet Banking in a Developing Country: Malaysia
An Exploratory Study Into The Adoption of Internet Banking in a Developing Country: Malaysia
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对发展中国家采用网上银行的探索性研究：马来西亚
DOI：
10.1080/15332860802004162
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发表时间：
2008
影响因子：
4.3
通讯作者：
J. M. Pearson
中科院分区：
文献类型：
--
作者：
Khalil;Nor J. Michael Pearson;K. Nor;Dr. Khalil;J. M. Pearson
摘要在这项研究中，我们扩展了计划行为分解理论(DTPB)，将信任纳入其中，并考察了信任对个人采用网上银行意愿的影响。大部分的技术采用研究已经在美国等发达国家完成。总体来说，结果表明，所提出的模型能够很好地理解影响使用网上银行意愿的因素。从理论的角度来看，这些发现有助于我们进一步理解影响发展中国家这一研究不足地区的技术采用的结构。它还证实了信任的多维性及其在采用网上银行方面的作用。从实践的角度来看，研究结果可以帮助希望提供网上银行服务的银行做出明智的决定，决定他们可以采取什么行动来增加成功的机会。
ABSTRACT In this study, we extend the decomposed theory of planned behavior (DTPB) by incorporating trust and examining its impact on an individual's intention to adopt Internet banking. A majority of the technology adoption research has been completed in developed countries such as the U.S. Overall, the results indicate that the proposed model provides a good understanding of factors that influence the intention to use Internet banking. From a theoretical perspective, the findings help further our understanding of the constructs that impact technology adoption in an under researched area: developing countries. It also confirms the multidimensionality of trust and its role in the adoption of Internet banking. From a practical perspective, the findings can help banks who wish to offer Internet banking services make informed decisions about what actions they can take to increase their chances of success.