Testing for Use and Acceptance of Internet Banking Based on UTAUT Model

UTAUT모형을 이용한 사용자 수용연구

  • Received : 2016.12.13
  • Accepted : 2017.02.15
  • Published : 2017.02.28


Internet Banking Offers Major Advantages for Both Banks and Customers. However, Not All People have equal Access or Skills to use such Services. The Main Objective of this Study is to Understand the Fctors Influencing Internet Banking Usage we Developed a Research Model Drawing from the UTAUT and Digital Divide Research. The Model was Tested and find more than 90% of Variance of Internet Banking Usage was Explained by the Model. Results Demonstrate that the Strongest Factor Influencing the Intention to adopt Internet Banking Services is the Degree to which an Individual Believes that it is Safe to use such Services. In the Paper, all the Hypotheses Except for the Hypothesis on the Effort Expectation are Accepted with Statistical Significance.




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