|Title:||The adoption of Internet banking by retail customers in Hong Kong|
|Subject:||Internet banking -- China -- Hong Kong|
Hong Kong Polytechnic University -- Dissertations
|Department:||Department of Computing|
|Pages:||xiii, 157,  leaves : ill. ; 30 cm|
|Abstract:||The Internet has been flourishing all over every part of the world. There is a definite move toward electronic banking based on the Internet. In view of the practical needs, this paper explores the adoption of Internet banking by retail customers in Hong Kong. In this study, we address the topic from two angles, namely 1) identifying the demography and behaviour of the potential adopters, 2) identifying the influence of behavioural, normative and perceived behavioural beliefs on the adoption of Internet banking. Through questionnaire survey, we have collected and analysed customer demography and customer behaviour in relating to the extent to which the Hong Kong customers can be persuaded to embrace the new delivery channel. The finding demonstrated that in Hong Kong, people who have higher income, better education, more sophisticated banking needs and a wired lifestyle are more inclined to adopt Internet banking. A research model, based on the Technology Acceptance Model and Theory of Planned Behaviour, was developed to test the influence of Personal Innovativeness in IT/WWW, Computer Self-efficacy, Attitude, Subjective Norms and Motivation on the adoption of Internet banking. The model was tested using factor analysis and logistic regression. Personal Innovativeness in IT/WWW and Computer Self-efficacy are found with moderating effects on Attitude towards the adoption of Internet banking. Attitude and Motivation were found to positively influence an individual's inclination in Internet banking adoption.|
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