网上银行发展中的相关因素分析——基于TAM理论  

Analysis of Related Factors in the Development of Internet Banking:Based on TAM Theory

作　　者：徐长江[1] 丁聪聪[1] 

机构地区：[1]浙江师范大学教师教育学院,浙江金华321004

出　　处：《统计与信息论坛》2012年第3期67-71,共5页Journal of Statistics and Information

摘　　要：基于技术接受理论(TAM)构建了网上银行客户采纳模型,运用问卷调查的数据对此模型进行了验证。结果表明:网上银行的技术接受模型得到了验证;个人创新特质和感知安全性对网上银行使用意向有显著的影响;将个人创新特质、感知安全性与TAM理论结合起来,在一定程度上可以更好地解释客户网上银行的使用行为。A theoretical model based on the Technology Acceptance Model（TAM） with added construct of personal innovativeness in the domain of information technology（PIIT） and perceived security,was developed,and its ability in predicting customers＇ attitude and behavioral intention of adopting internet banking was empirically tested.The results provide support of the extended TAM model in predicting customers＇ intention of adoption of IB.The TAM model integrated with PIIT and perceived security is generally applicable for explaining internet banking adoption.

关 键 词：网上银行 技术接受理论 个人创新特质 感知安全性 

分 类 号：F832[经济管理—金融学]