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    題名: 影響民眾使用行動銀行之關鍵因素探討
    A Study of Key Factors Affecting Consumers’ Intention to Use Mobile Banking
    作者: 譚嘉玲
    貢獻者: 張愛華
    李嘉林
    譚嘉玲
    關鍵詞: 行動銀行
    創新擴散理論
    加值服務
    移轉障礙
    正向口碑
    日期: 2015
    上傳時間: 2015-08-17 14:04:18 (UTC+8)
    摘要: 本論文之研究目的為找出影響民眾使用行動銀行使用意願的關鍵因素。本研究之研究模型以創新擴散理論為基礎架構，同時納入加值服務、移轉障礙、品牌熟悉度、信任以及服務品質，用以探討民眾使用行動銀行的態度以及意願。本研究並將所提出之研究模型進行實證分析，研究對象為台灣地區的民眾，包括實際以及具高度潛力的行動銀行未來使用者，共回收730份有效問卷，其中446份有行動銀行使用經驗，另外284份則無。本研究模型變數包含相對優越性、複雜性、相容性、加值服務、人際關係、轉換成本、替代方案吸引力、品牌熟悉度、信任、服務品質、態度、使用意願以及正向口碑。本研究使用LISREL 8.7進行結構方程模式分析，將回收之樣本依照行動銀行使用經驗的有無個別分析其結果，分析結果顯示，針對有行動銀行使用經驗的民眾，相對優越性、加值服務、信任、服務品質與民眾對於行動銀行的態度呈現顯著正相關；而轉換成本則對民眾對於行動銀行的態度呈現顯著負相關；此外，民眾對於行動銀行之態度也與其使用意願有顯著正相關，民眾的使用意願更與其正向口碑有顯著正相關。針對沒有行動銀行使用經驗的民眾，相容性、加值服務與民眾對於行動銀行的態度呈現顯著正相關；而人際關係與替代方案吸引力則對民眾對於行動銀行的態度呈現顯著負相關；此外，民眾對於行動銀行之態度也與其使用意願有顯著正相關。 不同於以往的研究，本研究針對台灣地區之行動銀行應用程式進行討論，並且納入了許多從未被應用在行動銀行的因素，包含加值服務、移轉障礙、正向口碑等變數，是一篇十分創新的研究。本研究之研究結果可作為日後學術研究之參考，亦可作為銀行推廣行動銀行時的實務參考。
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    描述: 碩士
    國立政治大學
    企業管理研究所
    102363030
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0102363030
    資料類型: thesis
    顯示於類別:[企業管理研究所（MBA學位學程）] 學位論文

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