金融理财类APP用户使用意向的影响因素研究

发布时间：2018-03-23 22:06

本文选题：金融理财类APP　切入点：收益感知　出处：《武汉大学》2017年硕士论文

【摘要】：随着智能移动终端的普及,现代人生活方式逐渐实现数字移动化。理财投资作为现代人不可或缺的生活方式,逐渐出现在智能移动终端市场。基于相关研究的分析以及相关调查数据的统计,笔者发现用户对智能移动终端上金融理财类APP的感知价值与使用意向存在着某种关系,但用户对金融理财类APP的使用还受其他社会影响因素的制约,因此对金融理财类APP使用意向的影响因素的研究具有一定的难度以及挑战。本文主要基于"价值接受模型"(该理论是基于移动互联网应用背景之下提出的关于研究消费者行为的经典理论),以及移动终端使用人群的范围,金融理财类APP的特征,提出本研究的初步的模型。针对用户对金融理财类APP的感知意向与相关使用意向之间的关系,分析金融理财类APP应从哪些方面加强用户的使用意向。综合技术接受模型、价值接受模型、以及自我效能感的价值接受度模型,研究模型将自变量用户的感知价值细分为收益感知、付出感知、以及社会其他影响因素,使用意愿以及使用行为作为因变量,交叉对比用户的感知价值与使用行为之间的关系。
[Abstract]:With the popularity of smart mobile terminals, the modern way of life gradually realize digital mobile. As a modern way of life indispensable financial investment, gradually appeared in the intelligent mobile terminal market. Statistical analysis of relevant research and related survey data based on perceived value and intention to use the the users of financial APP intelligent mobile terminal the existence of a relationship, but it is restricted to users of financial APP is also affected by other social factors, so the study on the influencing factors of the intention to use of financial APP has a certain degree of difficulty and challenge. This paper is mainly based on the "value acceptance model" (the theory is put forward based on mobile Internet application background the research on consumer behavior of the classical theory, and the scope of the use of the mobile terminal) groups, characteristics of financial APP, the Preliminary study on the relationship between the model. The user perceived intent of financial APP and intention to use the financial analysis which APP should strengthen the user's intention. The comprehensive technology acceptance model, value acceptance model, and self efficacy value adoption model, model of perceived value segmentation variables the user's perceived benefits, perceived sacrifice, and other social factors, and the use of behavioral intention to use as the dependent variable, the relationship between perceived value and behavior cross comparison of the users.

【学位授予单位】：武汉大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

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