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題名:資訊科技服務品質、創新抵制與使用意願之關係探討-以企業網路銀行系統為例
作者:許麻
作者(外文):HSU, MA
校院名稱:大葉大學
系所名稱:管理學院博士班
指導教授:林福來
學位類別:博士
出版日期:2023
主題關鍵詞:企業網路銀行系統使用意願資訊科技服務品質創新抵制調節效果corporate e-banking systemadoption intentioninformation technology service qualityinnovation resistancemoderating effect
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本研究旨在探討客戶對於企業網路銀行系統之資訊科技服務品質對其使用意願的影響,並進一步探討檢視資訊科技服務品質對其使用意願之影響程度是否會受到客戶的創新抵制行為所影響。在此,本研究以便利抽樣方式進行網路問卷發放,共回收804份有效問卷,主要研究發現如下:首先,本研究實證結果發現企業網路銀行系統服務品質對客戶使用意願具有顯著的正向影響,此結果顯示企業網路銀行系統服務品質的好壞,確實是影響企業客戶持續使用企業網路銀行服務的重要因素。另外,在創新
抵制行為的調節效果部份,本研究發現客戶對企業網路銀行的創新抵制行為會負向調節系統服務品質與使用意願之關係,即企業網路銀行系統雖可帶給客戶完成金融相關業務作業效率的優勢,但倘若企業用戶對於系統的存在風險或信任疑慮而致使其產生創新抵制行為,將會進而降低企業網路銀行系統服務品質對其使用意願的正向影響。最後,本研究針對這些實證發現及結論提出管理意涵及相關建議。
This study aims to explore the impact of information technology service quality on adoption intention of the corporate e-banking system. The moderating effect of customer innovation resistance on the relation between information technology service quality and adoption intention is also investigated. We collected 804 valid questionnaires through an online questionnaire survey. Firstly, our empirical result finds that information technology service quality has a significantly positive impact on customer adoption intention. This confirms that the improvement of information technology service quality does help in prompting the customer adoption intention. Moreover, customer resistance to innovation on corporate e-banking system weakens the positive relation between information technology service quality and adoption intention. That is, those with high customer innovation resistance have a weaker relation between information technology service quality and adoption intention than those with low innovation
resistance. Finally, we provide management implications and relevant suggestions
in the conclusion.
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