行動銀行使用意圖之關聯性探討－整合科技接受模式與任務－科技適配模式之觀點

The Study of the Relationship on Intention to Use toward Mobile Banking - Integrating the Perspectives of Technology Acceptance Model and Task-Technology Fit Model

李國瑋(Kuo-Wei Lee) ； 張詠盛(Yung-Sheng Chan) ； 陳宜辰(I-Chen Chen) ； 林東緯(Dong-Wei Lin)

《當代商管論叢》 2卷1期 (2017/12) Pp. 61-86

https://doi.org/10.6852/JCBM.201712_2(1).0004

摘要

鑒於行動通訊技術進步與智慧型手機普及，行動銀行已顛覆過往金融交易模式。本研究係以科技接受模式與任務-科技適配模式為理論基礎，並基植於使用者之心理特性加入開放性人格特質、科技焦慮及網路外部性作分析探討，期能為使用意圖關係程度進行深入與系統性瞭解。本研究共得有效問卷287份，有效回收率達95.6%。結果顯示：(1)開放性人格特質、網路外部性與任務-科技適配度對行動銀行認知易用性有正向顯著影響。(2)科技焦慮對行動銀行認知易用性有負向顯著影響。(3)任務特性與科技特性對行動銀行任務-科技適配度有正向顯著影響。(4)認知易用性與任務-科技適配度對行動銀行認知有用性有正向顯著影響。(5)認知有用性對行動銀行使用意圖具有正向顯著影響。

關鍵字

行動銀行 ； 科技接受模式 ； 任務-科技適配模式 ； 科技焦慮 ； 網路外部性

並列摘要

Due to the advances in mobile communication technology and the popularity of smart phones. The research framework is based on Technology Acceptance Model and Task - Technology Fit Model. In addition, this study also considers psychological characteristics of the use of mobile banking, such as personality trait of openness, and anxiety of technology, and network externalities. The researcher expects to present the importance of the factors affecting the intention to use more in-depth and systematic. The valid questionnaires were 287, and the responding rate of questionnaires was 95.6%. The results showed that (1) the personality traits of openness, network externalities and Task-Technology Fit have a significantly positive impact on users' perceived ease of use; (2) Technological anxiety has a significantly negative impact on the operations of banks perceived ease of use; (3) the task characteristics and technology characteristics generate significantly positive effect on the task of mobile banking - technology fit; (4) Perceived ease of use and the Task-Technology Fit impact perceived usefulness of mobile banking significantly positively; (5) Perceived usefulness of mobile banking has a significantly positive impact on the intentions of use.

並列關鍵字

Mobile Banking ； Technology Acceptance Model ； Task-Technology Fit Model ； Technology Anxiety ； Network Externalities