An Analysis on Technology Acceptance of Ubiquitous Banking Service

  • Kim, Min-Cheol (Department of Management Information Systems, Jeju National University) ;
  • Ha, Tai-Hyun (Department of Computer Education, Woosuk University)
  • Received : 2011.01.20
  • Accepted : 2011.02.15
  • Published : 2011.02.28


The objective of this paper is to identify factors influencing intention to use ubiquitous banking service focusing on potential users using a regression model. Through this, providers of ubiquitous banking services can get an idea of future development, including marketing strategy through the results of this analysis. This paper proposes that perceived usefulness is the most important factor influencing the uptake of ubiquitous service. Also in addition, ANOVA test shows that higher education level of the user can lead to the higher intention to use an ubiquitous banking service. In this study, we set up a model by using the most basic factor among influential factors presented in previous studies as an independent variable. However, other research variables which affect acceptance of ubiquitous service should be considered by thinking more diversely.


Supported by : Jeju National University