The Revised Technology Acceptance Model and the Impact of Individual Differences in Assessing Internet Banking Use in Taiwan

Chu-Fen Li

《International Journal of Business and Information》 8卷1期 (2013/06) Pp. 96-119

https://doi.org/10.6702/ijbi.2013.8.1.4

並列摘要

The literature on Internet banking indicates that many researchers have been studying the determinant factors relating to a user's acceptance or adoption behavior using the technology acceptance model. Little attention has been given, however, to exploring how external variables and perceptions of security, privacy, and confidentiality risks affect acceptance or adoption behavior, although these factors may play a significant role in Internet banking use. This study extends the technology acceptance model by introducing risk perceptions as a new construct to evaluate the determinants influencing Internet banking use behavior and to examine the influences of external variables such as individual differences. Based on data from a questionnaire survey of a sample of 788 experienced users in Taiwan, the results reveal that individual differences play a role in directly affecting perceived usefulness, perceived ease of use, and perceived risk, and a role in indirectly affecting user behavior. The research results provide insightful recommendations for use in developing customer satisfaction policies that promote loyalty and future widespread and repeated use.

並列關鍵字

Internet banking ； individual differences ； perceived risk ； e-commerce ； financial services

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