制度压力和行为意图如何影响移动银行的采用—感知风险的调节作用

发布时间：2021-06-22 14:14

　　随着互联网技术的发展,移动银行业务也有了长足进步。通过智能手机平台使用电子银行进行交易的数量,在近年来已经有了显著增长,移动银行允许人们随时随地访问银行服务,从而使业务的展开更加高效。这已经改变了人们的生活方式。每个拥有移动设备的客户都可以连接到互联网。然而,大多数文献认为移动银行仅仅是一个新兴的平台,其技术水平较低,尚未成为交易的主要渠道。虽然已有一些文献提出了“选择理论”来解释移动银行的使用率,但都没有考虑机构方面的压力。鉴于移动交易的吸引力,自2014年以来,在线支付每年的增长率超过33.8%。因此,有必要研究影响移动银行业务的使用率的机构压力和行为意图,以及感知风险对其的调节作用。本文基于行为意向与制度理论,提出了一种解释制度压力的三个变量（强制性,规范性和模仿性）的模型,(其中包括这三个因素如何影响移动银行业务使用率,并讨论了如何通过感知风险来调节这些影响。为此,本文使用结构化问卷,通过互联网收集数据。本文使用自管理的在线调查方法,通过微信和QQ从被调查者处收集数据。这些数据经过两位具有移动银行相关专业背景的博士研究员审核。众所周知,中国人对移动技术日益依赖。尤其是学生在日常... 

【文章来源】：中国科学技术大学安徽省 211工程院校 985工程院校

【文章页数】：112 页

【学位级别】：硕士

【文章目录】：
摘要
ABSTRACT
List of Abbreviations
Chapter 1 Introduction
    1.1 Background and Significance
    1.2 Innovation in Society
    1.3 The Evolution of Mobile Banking
    1.4 Mobile Services and Social Media
    1.5 Statement of the Problem
Chapter 2 Review of Related Literature
    2.1 The Concept of Mobile Banking
    2.2 Theoretical Literature Review
        2.2.1 Institutional Theory
        2.2.2 Theory of Reasoned Action
    2.3 Determinants of Attributes
        2.3.1 Coercive Pressure
        2.3.2 Normative Pressure
        2.3.3 Mimetic Pressures
        2.3.4 Behavioral Intentions
        2.3.5 Perceived Risk
    2.4 Understanding Mobile Banking To Other Financial Terms
    2.5 Mobile Banking Services
        2.5.1 The Benefits of Mobile Banking
        2.5.2 Challenges of Mobile Banking Services
        2.5.3 Dangers in Using Mobile Banking
Chapter 3 Methodology
    3.1 Research Philosophy
    3.2 Research Approach
        3.2.1 Quantitative versus Qualitative Research Approaches
        3.2.2 Deductive versus Inductive Research Approaches
    3.3 Research Design, Sample and Techniques
        3.3.1 Research Design
        3.3.2 Sample Size
        3.3.3 Sampling Technique
        3.3.4 Data Collection Instrument
        3.3.5 Validity and Reliability Test
        3.3.6 Demographic Variables
    3.4 The Hypotheses Development
        3.4.1 Coercive Pressure and Mobile Banking Adoption
        3.4.2 Normative Pressure and Mobile Banking Adoption
        3.4.3 Mimetic Pressure and Mobile Banking Adoption
        3.4.4 Behavioral Intention and Mobile Banking Adoption
        3.4.5 Perceived Risk and Mobile Banking Adoption
Chapter 4 Analysis and Findings
    4.1 Measures
    4.2 Measure validation
    4.3 Hypothesis Testing and Model Analysis
    4.4 The Effect of Perceived Risk Interaction
    4.5 Discussion and Findings
    4.6 Theoretical Contribution
Chapter 5 Summary, Recommendations and Conclusion
    5.1 Summary
    5.2 Theoretical Implication
    5.3 Recommendations
    5.4 Conclusion
    5.5 Limitations and Future Direction
References
Acknowledgement
Publications



本文编号：3242988