오프라인의 신뢰가 온라인 거래 사용에 미치는 영향 - 확장된 기술수용모형

The Effect of Offline Trust upon Use of Online Transaction on the Internet - the Extended Technology Acceptance Model

The objective of this study is to analyze the relationship between offline trust and use of online service focusing on Internet banking. For this purpose, we suggest an extended version of Technology Acceptance Model (TAM) that would explain use or acceptance of infer]nation technology especially in Internet based service areas. In order to connect offline trust with Internet banking use, TAM is extended by adding two variables - technical competence for security services that is one facet of trust on the bank's security technology and security risk that would influence use, perceived usefulness and perceived ease of use. Empirically our model is well proved with low significance level.