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題名：利用新混合模型探討影響消費者使用網路銀行行為意圖之實證研究
作者：董峰呈
作者(外文)：Feng-Cheng Tung
校院名稱：國立成功大學
系所名稱：企業管理學系碩博士班
指導教授：張淑昭
學位類別：博士
出版日期：2008
主題關鍵詞：科技接受模型；創新擴散理論；電腦自我效能；網路銀行；Diffusion of Innovation Theory；Computer Self-Efficacy；Technology Acceptance Model；Internet Banking
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由於全世界網際網路使用人口不斷地快速增加，網際網路使用人口總數已從1997年底的七千萬人，增加到2007年的十二億人，網路金融服務使用人口亦呈現快速成長的情形，在網際網路衝擊下，銀行利用網際網路來提供金融服務成為一種必然的趨勢。台灣自從2000年3月財政部核准了富邦商業銀行透過開放性電腦網路，辦理客戶之轉帳、查詢、申請作業、理財試算等服務之申請，這是國內首度核准銀行以開放性網際網路辦理網路銀行業務，也建立了台灣金融發展的一個新里程碑，各家銀行也陸續紛紛對於網路銀行的經營投注了大量的心力，以提高本身的競爭力，因此如何建立良好的網路銀行巳成為非常重要的課題。
本研究結合Davis et al.(1989)提出的科技接受模型(Technology Acceptance Model，TAM) 和 Rogers (1983)提出的創新擴散理論並増加電腦自我效能及資訊品質二個研究變數設計出一個新混合科技接受模型去研究在台灣影響網路銀行使用者行為意圖的因素。本研究在2008年4月28日開始進行問卷調查，問卷調查期間為3個星期，總計發出900份問卷調查給消費者，最後收集了303份有效問卷。
最後本研究實證結果發現，相容性、認知有用性、認知易用性、資訊品質及電腦自我效能皆是會正向影響到使用網路銀行的行為意圖的重要因素，認知易用性對認知有用性也有正向的顯著影響，而使用網路銀行的行為意圖對實際使用網路銀行也有正向的顯著影響。本研究實證結果也可以提供給金融業者，幫助金融業者未來在發展網路銀行時，能開發出較為適合消費者使用的網路銀行，吸引更多的消費者來使用網路銀行，進而提升銀行業的競爭力。
Since the people of the world who resort to Internet have been increasing quickly, the total population who exploits Internet has reached from 70 million of people by the end of 1997 to 1.2 billion by 2007. Besides, the population that exploits financial network service has also been increasing. Under the impact of Internet, it is a trend of inevitability that banks would makes use of Internet to provide financial service. In March 2000, the Ministry of Finance approved the application by Fubon Bank resorting to open-ended computer network to help clients with account transfer, inquiry, application, assets management, and other services, and it was considered the first that banks are approved to resort to open-ended Internet to deal with internet banking service. As such, it has become a most important issue how favorable internet banking can be established.
This study has integrated technology acceptance model (TAM) put forth by Davis et al (1989) as well as Diffusion of Innovation Theory by Rogers (1983), while two other research variables as computer self-efficacy and information quality are added to design a newly-blended technology acceptance model to research the factors that would affect user behavioral intention of internet banking in Taiwan. This study has begun to conduct questionnaire on 28th of April, 2008, and the duration of it lasted for three weeks. As a whole, 900 copies of questionnaires are sent out, and 303 valid copies are retrieved.
The substantial results of this study discover at the end that compatibility, perceived usefulness, perceived easy of use, computer self-efficacy and information quality are of positive impact, and they are considered to be of important factors that affect behavior intention of network banking, while perceived easy of use has also rendered prominent positive impact on perceived usefulness. As for behavioral intention with the use of internet banking, it would also impact positively with prominent effect with the use of internet banking in practice.
The substantial results from the study can help provide to suppliers of financial services so that they can develop internet banking that is well-tailored to use for consumers as they develop internet banking in the future. As a result, more consumers can be attracted to use internet banking, thus enhancing the competitiveness of the banking industry.
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