Adoption of On-line Banking Service Considering the Moderate Effects of On-line Banking Service Type

The Purpose of this study is to investigate the factors affecting the adoption of on-line banking service. Based on prior studies, this study identified usefulness, ease of use, innovativeness, social influence, quality, cost as affecting factors of on-line banking service and considered moderating effects of service types between Internet banking service and mobile banking service. Result shows that usefulness, ease of use, innovativeness, social influence, quality, and cost are all significantly related to the adoption of on-line banking service. Social influence and cost were found to have different impact on between Internet banking service and mobile banking service.

[1]  Albert L. Lederer,et al.  The technology acceptance model and the World Wide Web , 2000, Decis. Support Syst..

[2]  이유진,et al.  A Study on the Factors Affecting the Usage Intention of the Mobile Banking Service in the Digital Convergence Age , 2005 .

[3]  Key Pousttchi,et al.  Assessment of today's mobile banking applications from the view of customer requirements , 2004, 37th Annual Hawaii International Conference on System Sciences, 2004. Proceedings of the.

[4]  Ingoo Han,et al.  Effect of trust on customer acceptance of Internet banking , 2002, Electron. Commer. Res. Appl..

[5]  D. Littler,et al.  The adoption of direct banking services , 1997 .

[6]  Heikki Karjaluoto,et al.  Consumer acceptance of online banking: an extension of the technology acceptance model , 2004, Internet Res..

[7]  Xianggui Qu,et al.  Multivariate Data Analysis , 2007, Technometrics.

[8]  Michael Tow Cheung,et al.  Internet-based e-banking and consumer attitudes: an empirical study , 2002, Inf. Manag..

[9]  M. Sathye.  Adoption of Internet banking by Australian consumers: an empirical investigation , 1999 .

[10]  Fred D. Davis.  Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology , 1989, MIS Q..

[11]  Honglei Li,et al.  Technology acceptance model for internet banking: an invariance analysis , 2005, Inf. Manag..

[12]  Jonguk Kim,et al.  Factors Influencing Mobile Internet Service Acceptance: Extension of Technology Acceptance Model Using The Flow Theory , 2004 .

[13]  Tino Fenech,et al.  Using Perceived Ease of Use and Perceived Usefulness to Predict Acceptance of the World Wide Web , 1998, Comput. Networks.

[14]  Huaiqing Wang,et al.  The adoption of virtual banking: an empirical study , 1999 .

[15]  Detmar W. Straub,et al.  Gender Differences in the Perception and Use of E-Mail: An Extension to the Technology Acceptance Model , 1997, MIS Q..

[16]  Chin-Lung Hsu,et al.  Why do people play on-line games? An extended TAM with social influences and flow experience , 2004, Inf. Manag..