A Comparative Analysis on the Usage of Internet Banking Users in Korea and China: Based on the UTAUT Theory

UTAUT 이론을 기반으로 한 인터넷뱅킹의 이용에 영향을 미치는 요인: 한국과 중국의 비교연구

  • Received : 2010.06.17
  • Accepted : 2010.10.14
  • Published : 2010.12.30


This study examined the difference in the usage of internet banking users between Korea and China. This model tests various theoretical research hypotheses relating to internet banking, The Unified Theory of Acceptance and Use of Technology(UTAUT). The factors influencing on the use intention of Internet banking have been classified as performance expectancy, effort expectancy, social influence and facilitating conditions. The proposed model was empirically tested using data collected from a survey of internet banking users in Korea and China. The model is used by SPSS 15.0 and AMOS 7.0 for analysis on the sample collected from 272 respondents. The result of hypothesis testing are as follows. First, performance expectancy and social influence positively influence use intention of internet banking user both Korea and China. Second, facilitating conditions only positively influence on the usage of internet banking users in Korea. On the other side, effort expectancy do not influence the use intention of internet banking users in both two countries. The results of study will provide practical implications on the internet banking in Korea and China.


Internet Banking;UTAUT(The Unified Theory of Acceptance and Use of Technology);Korea;China


  1. 공영일, "한국과 중국의 인터넷시장 및 이용자 비교분석," 제13권, 제17호, 2001, pp. 1-15.
  2. 곽기영, 지소영, "인터넷 구매결정과정에서의 관여도의 조절효과에 관한 연구," 경영정보학연구, 제18권, 제2호, 2008, pp. 15-40.
  3. 김종기, 강다연, 전진화, "인터넷뱅킹 사용자의 보안의도에 영향을 미치는 요인에 관한 연구," 정보시스템연구, 제18권, 제2호, 2009, pp. 1-18.
  4. 박승배, 정남호, "개인의 온라인 게임수용에서 혁신성의 조절효과에 대한 비교연구: 쾌락적 정보시스템의 관점에서," 한국마케팅저널, 제9권, 제4호, 2008, pp. 179-212.
  5. 양지윤, 안중호, 박철우, "인지된 위험이 모바일 뱅킹 수용의도에 미치는 영향," 기술혁신연구, 제14권, 제3호, 2006, pp. 183-208.
  6. 오상현, 김상현, "기술수용모델의 확장과 인터넷뱅킹 이용행동에 관한 연구: 신뢰와 적합성의 역할을 중심으로," 경영연구, 제24권, 제1호, 2006, pp. 175-205.
  7. 오종철, "인터넷 서비스 수용의 영향요인: UTAUT모형에 대한 재평가," 경영학연구, 제39권, 제1호, 2010, pp. 55-79.
  8. 유일, 김재정, 김경애, "인터넷뱅킹 채택 결정요인에 관한 실증 연구," Information Systems Review, 제6권, 제1호, 2004, pp. 19-36.
  9. 유일, 소순후, "인터넷뱅킹시스템 이용의 영향요인에 관한 실증연구," 산업경제연구, 제17권, 제6호, 2004, pp. 2383-2404.
  10. 유호선, 김민용, 권오병, "유비쿼터스 컴퓨팅 서비스 수용에 영향을 미치는 요인 연구," 한국전자거래학회지, 제13권, 제2호, 2008, pp. 117-147.
  11. 이건창, 정남호, 이종신, "국내 인터넷뱅킹 사용자의 이용의도에 영향을 미치는 요인간 관계에 관한 실증 연구," 경영정보학연구, 제12권, 제3호, 2002, pp. 191-212.
  12. 이웅규, "보안위험, 편리성, 사회적 영향이 인터넷 뱅킹 사용에 미치는 효과: 계좌이체와 잔액조회 서비스의 비교," 정보시스템연구, 제14권, 제2호, 2005, pp. 1-23.
  13. 전병호, 윤종훈, 송인암, 김병곤, "인터넷뱅킹 사이트의 서비스품질과 인터넷 이용자 개인특성이 고객충성도에 미치는 영향," 정보시스템연구, 제14권, 제1호, 2005, pp. 197-226.
  14. 정철호, 정영수, 리강, "인터넷 쇼핑몰 이용자의 신뢰가 충성도에 미치는 영향에 관한 연구: 한.중국 간 신뢰 결정요인 비교 연구," 경영정보학회 춘계학술대회발표논문집, 2004, pp. 464-473.
  15. 조대우, 황경연, "인터넷뱅킹이용에 영향을 미치는 요인-계획된 행동이론을 중심으로," 경영학연구, 제30권, 제4호, 2001, pp. 1225-1249.
  16. 조철호, "인터넷뱅킹 웹사이트 서비스 품질이 고객만족, 관계품질 및 재이용의도에 미치는 영향," 서비스경영학회지, 제10권, 제1호, 2009, pp. 159-190.
  17. 최낙환, 이동진, 황윤용, "한.중 소비자들의 정보탐색노력 및 그 성과와 만족에 관한 비교연구," 대한경영학회지, 제40호, 2003, pp. 1967-2002.
  18. 한국은행, "2010년 2/4분기 국내 인터넷뱅킹 서비스 이용현황," 2010.
  19. 한상일, "인터넷뱅킹 채택의 결정요인," 산업경제연구, 제17권, 제6호, 2004, pp. 2405-2428.
  20. 황성민, 정수연, 박철, "한국과 중국 간 온라인 구전정보에 관한 비교분석," 한국경영정보학회 춘계학술대회발표논문집, 2006, pp. 564-573.
  21. CNNIC, "中國互聯網絡發展狀況統計報告," 2009.
  22. Abushanab, E., and Pearson, J. M., "Internet Banking in Jordan: The Unified Theory of Acceptance and Use of Technology (UTAUT) Perspective," Journal of Systems and Information Technology, Vol. 9, No. 1, 2007, pp. 78-97.
  23. Ahuja, M. K., and Thatcher, J. B., "Moving Beyond Intentions and Toward the Theory of Trying: Effects of Work Environment and Gender on Post-Adoption Information Technology Use," MIS Quarterly, Vol. 29, No. 3, 2005, pp. 427-459.
  24. Ajzen, I., "The Theory of Planned Behavior," Organizational Behavior and Human Decision Processes, Vol. 50, No. 2, 1991, pp. 179-211.
  25. Bandyopadhyay, K., and Fraccastoro, K. A., "The Effect of Culture on User Acceptance of Information Technology," Communications of the Association for Information Systems, Vol. 19, 2007, pp. 552-543.
  26. Cheng, T. C. E., Lam, D, Y. C., and Yeung, A. C. L., "Adoption of Internet Banking: An Empirical Study in Hong Kong," Decision Support Systems, Vol. 42, No.3, 2006, pp. 1558-1572.
  27. Chin, W. W., "The Partial Least Squares Approach to Stru tural Equation Modeling," In G. A. Marcoulides(ED.), Modern Methods for Business Research, Lawrence Erlbaum Associates, Mahwah, N.J., 1998, pp. 295-366.
  28. Chin, W. W., Marcolin, B. L., and Newsted, P. R., "A Partial Least Squares Latent Variable Modeling Approach for Measuring Interaction Effect: Results from a Monte Carlo Simulation Study and Voice Mail Emotion/Adoption Study," 17th International Conference on Information Systems, OH, 1996, pp. 21-41.
  29. Compeau, D. R., and Higgins, C. A., "Computer Self-Efficacy: Development of a Measure and Initial Test," MIS Quarterly, Vol. 19, No. 2, 1995, pp. 189-211.
  30. Davis, F. D., "Perceived Usefulness, Perceived Ease of Use, and User-Acceptance of Information Technology," MIS Quarterly, Vol. 13, No. 3, 1989, pp. 319-340.
  31. Davis, F. D., Bagozzi, R. P., and Warshaw, P. R., "Extrinsic and Intrinsic Motivation to Use Computers in the Workplace," Journal of Applied Social Psychology, Vol. 22, No. 14, 1992, pp. 1111-1132.
  32. Davis, F. D., Bagozzi, R. P., and Warshaw, P.R., "User Acceptance of Computer Technology: A Comparison of Two Theoretical Models," Management Science, Vol. 35, No. 8, 1989, pp.982-1003.
  33. Fishbein, M., and Ajzen, I., Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Reading, MA: Addison-Wesley, 1975.
  34. Hennington, A. H., and Janz, B. D., "Information Systems and Healthcare XVI: Physician Adoption of Electronic Medical Records: Applying the UTAUT Model in a Healthcare Context," Communications of the Association for Information Systems, Vol. 19, 2007, pp. 60-80.
  35. iResearch, "iResearch China Online Banking Research Report," 2009.
  36. Keil, M., Tan, B. C. Y., Wei, K. K., Saarinen, T., Tuunainen, V., and Wassenaar, A., "A Cross-Cultural Study on Escalation of Commitment Behavior in Software Projects," MIS Quarterly, Vol. 24, No. 2, 2000, pp. 299-325.
  37. Lee, M. C., "Factors Influencing the Adoption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit," Electronic Commerce Research and Applications, Vol. 8, No. 3, 2009, pp. 130-141.
  38. Liao, Z., and Cheung, M. T., "Internet-Based E-Banking and Consumer Attitudes: An Empirical Study," Information and Management, Vol. 39, No. 4, 2002, pp. 283-295.
  39. Lin, C. P., and Anol, B., "Learning Online Social Support: An Investigation of Network Information Technology Based on UTAUT," Cyber Psychology & Behavior, Vol. 11, No. 3, 2008, pp. 268-272.
  40. Loo, W. H., Yeow, P. H. P., and Chong, S. C., "User Acceptance of Malaysian Government Multipurpose Smartcard Applications," Government Information Quarterly, Vol. 26, No. 2, 2009, pp. 358-367.
  41. Moon, J. W., and Kim, Y. G., "Extending the TAM for a World-Wide-Web Context," Information and Management, Vol. 38, No. 4, 2001, pp. 217-230.
  42. Moore, G. C., and Benbasat, I., "Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation," Information Systems Research, Vol. 2, No. 3, 1991, pp. 192-222.
  43. Shin, Y., and Fang, K., "The Use of a Decomposed Theory of Planned Behavior to Study Internet Banking in Taiwan," Internet Research, Vol. 14, No.3, 2004, pp. 213-223.
  44. Tan, M., and Teo, T. S. H., "Factors Influencing the Adoption of Internet Banking," Journal of the AIS, Vol. 1, No. 5, 2000, pp. 1-42.
  45. Taylor, S., and Todd, P. A., "Understanding Information Technology Usage: A Test of Competing Models," Information Systems Research, Vol. 6, No. 2, 1995, pp. 144-174.
  46. Thompson, R. L., Higgins, C. A., and Hoewll, J. M., "Personal Computing: Toward a Conceptual Model of Utilization," MIS Quarterly, Vol. 15, No. 1, 1991, pp. 124-143.
  47. Venkatesh, V., Morris, M. G. Davis, G. B., and Davis, F. D., "User Acceptance of Information Technology: Toward a Unified View," MIS Quarterly, Vol. 27, No. 3, 2003, pp. 425-478.
  48. Yang, K., "Determinants of US Consumer Mobile Shopping Services Adoption: Implications for Designing Mobile Shopping Services," Journal of Consumer Marketing, Vol. 27, No. 3, 2010, pp. 262-270.
  49. Yi, M. Y., and Davis, F. D., "Developing and Validating an Observational Learning Model of Computer Software Training and Skill Acquisition," Information Systems Research, Vol. 14, No. 2, 2003, pp. 146-169.

Cited by

  1. A Study on the Successful Adoption of IoT Services : Focused on iBeacon and Nearby vol.14, pp.1, 2015,
  2. A Study on the Effects of Innovation Characteristics and Quality of Appliance Systems on Intention to Adopt vol.43, pp.3, 2015,
  3. A Comparative Study on Factors Affecting Intergenerational Smartphone Use: Focusing on the New Silver Generation and the Net Generation vol.23, pp.4, 2014,
  4. A Meta-analysis on the Behavioral Intention for Information Technology in Korea vol.17, pp.11, 2013,
  5. Why Do You Use A Podcast Service? : A UTAUT Model vol.23, pp.2, 2016,