ABSTRACT

The purpose of this study is evaluating new decision factors which affecting users’ behaviour intention and actual usage towards e-banking. In this research, the TOE framework is integrated with TAM theory as the novelty to fill up the hole of TAM theory and past researches. The proposed Model is tested in an Iranian bank. Partial least squares is applied to examine inter-correlations among the model’s constructs. The results indicate that task-technology fit model and technical service innovation as technology context positively affects e-banking actual usage and task and technology characteristics positively affect task-technology fit. User integration and perceived size as organisation context positively influence users’ behaviour intention and actual usage, respectively. Furthermore, initial trust model as environment context positively influences users’ behaviour intention. Structural assurance positively affects initial trust, but social influence and bank reputation effect is rejected. Also, culture-technology fit and government support as environment context positively influences e-banking actual usage.

摘要

本研究的目的是评估影响用户对电子银行的行为意愿和实际使用的新决策因素。本研究将 TOE 框架与 TAM 理论相结合，填补了 TAM 理论和以往研究的空白。提议的模型在一家伊朗银行进行了测试。偏最小二乘法用于检查模型构造之间的相互关系。结果表明，任务-技术匹配模型和作为技术背景的技术服务创新正向影响电子银行的实际使用，任务和技术特征正向影响任务-技术匹配。用户整合和作为组织环境的感知规模分别对用户的行为意图和实际使用产生积极影响。此外，初始信任模型作为环境上下文正向影响用户的行为意图。结构保证正向影响初始信任，但拒绝社会影响和银行声誉效应。此外，作为环境背景的文化-技术契合和政府支持对电子银行的实际使用产生积极影响。