Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit
Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit
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DOI：
10.1016/j.elerap.2008.11.006
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发表时间：
2009-05-01
影响因子：
6
通讯作者：
Lee, Ming-Chi
中科院分区：
文献类型：
--
作者：
Lee, Ming-Chi
在过去的十年里，网上银行已经成为最赚钱的电子商务应用之一。虽然之前的几个研究项目都集中在影响信息技术或互联网采用的因素上，但同时捕捉帮助客户采用网上银行的成功因素(积极因素)和阻力因素(消极因素)的实证工作有限。本文探索和整合了网上银行的各种优势，形成了一个积极的因素，即感知利益。此外，借鉴感知风险理论，将金融风险、安全/隐私风险、绩效风险、社会风险和时间风险五个具体的风险维度与感知收益相结合，并结合技术接受模型()和计划行为理论模型，提出了一个解释客户使用网上银行意愿的理论模型。结果表明，网上银行的使用意向主要受安全/隐私风险和财务风险的负面影响，而对网上银行的使用意向主要受感知利益、态度和感知有用性的正向影响。讨论了将感知收益和感知风险整合到所提出的网上银行采用模型中的含义。(C)2008爱思唯尔B.V.保留所有权利。
Online banking (Internet banking) has emerged as one of the most profitable e-commerce applications over the last decade. Although several prior research projects have focused on the factors that impact on the adoption of information technology or Internet, there is limited empirical work which simultaneously captures the success factors (positive factors) and resistance factors (negative factors) that help customers to adopt online banking. This paper explores and integrates the various advantages of online banking to form a positive factor named perceived benefit. In addition, drawing from perceived risk theory, five specific risk facets - financial, security/privacy, performance, social and time risk - are synthesized with perceived benefit as well as integrated with the technology acceptance model (TAM) and theory of planned behavior (TPB) model to propose a theoretical model to explain customers' intention to use online banking. The results indicated that the intention to use online banking is adversely affected mainly by the security/privacy risk, as well as financial risk and is positively affected mainly by perceived benefit, attitude and perceived usefulness. The implications of integrating perceived benefit and perceived risk into the proposed online banking adoption model are discussed. (C) 2008 Elsevier B.V. All rights reserved.