Author: Suk, Fat-chun
Title: The influence of extrinsic incentives on intrinsic motivation for online IT acceptance : a study of personal adoption of two-factor authentication technology in Internet banking
Degree: D.B.A.
Year: 2007
Subject: Hong Kong Polytechnic University -- Dissertations.
Internet banking.
Computer networks -- Access control.
Department: Graduate School of Business
Pages: 181 leaves : ill. ; 30 cm.
Language: English
Abstract: By integrating a motivational perspective into a technology acceptance model (TAM), we study the influence of extrinsic incentives on intrinsic motivation for using two-factor authentication (TFA) technology. Much previous research has established that the perceived usefulness and ease of use are important factors influencing users' online IT acceptance. However, little research has been conducted on the influence of extrinsic incentives on intrinsic motivation for online IT acceptance. Our model articulates how perceived online security protection moderated by extrinsic incentives may influence the adoption of TFA technology in Internet banking. Data were collected in a field study and examined through structural equation modeling (SEM). AMOS and PLS are used for testing the measurement and structural models respectively. The results show that perceptions of security protection, usefulness and ease of use are three key determinants influencing the adoption decision of TFA technology, and these perceptions can be directly affected by customer supports. Accessibility is also found to be a significant factor on perceived ease of use. Further, consistent with cognitive evaluation theory and overjustification effects, findings confirm that the offering of extrinsic incentives imposes a detrimental undermining effect on personal intrinsic motivation (i.e. perceived security protection) for adopting an online innovation. Results also show that extrinsic incentives can reinforce extrinsic motivation like the perception of usefulness towards using an online innovation. However, an undermining effect also co-exists to de-motivate intrinsically the behavioural intention to use the IT innovation. Balancing the reinforcement on extrinsic motivation and the detrimental effect on intrinsic motivation is crucial when offering incentives online. This research enriches the understanding of the influence of extrinsic incentives on personal motivation in online IT acceptance.
Rights: All rights reserved
Access: restricted access

Files in This Item:
File Description SizeFormat 
b21459617.pdfFor All Users (off-campus access for PolyU Staff & Students only)15.16 MBAdobe PDFView/Open

Copyright Undertaking

As a bona fide Library user, I declare that:

  1. I will abide by the rules and legal ordinances governing copyright regarding the use of the Database.
  2. I will use the Database for the purpose of my research or private study only and not for circulation or further reproduction or any other purpose.
  3. I agree to indemnify and hold the University harmless from and against any loss, damage, cost, liability or expenses arising from copyright infringement or unauthorized usage.

By downloading any item(s) listed above, you acknowledge that you have read and understood the copyright undertaking as stated above, and agree to be bound by all of its terms.

Show full item record

Please use this identifier to cite or link to this item: