臺灣博碩士論文加值系統

儘管許多調查指出網路使用者不斷增加，但是網路銀行使用情況卻沒等比例地增加。網路銀行已經在台灣推行多年，不過還是有部分人口不喜歡使用網路銀行。對於銀行業來說導入網路銀行是一個必要的趨勢，因為網路銀行能給銀行與顧客雙方帶來許多的好處，銀行方面能夠減低作業成本，而顧客也能在任何時間、任何地方完成交易。
本研究整合『期望確認理論』以及『承諾信任理論』，使用『DeLone &; McLean資訊系統成功模式：十年更新』之系統品質、資訊品質、服務品質三個構面，企圖更完整解釋使用者持續採用之行為。本研究使用SPSS15.0和SmartPLS2.0分析軟體，共收集了306份有效樣本。分析結果發現滿意度、認知有用性、關係承諾、信任都是重要的影響因子，三項品質確認之自變數也是關鍵要素。

Despite the increased in the number of internet users recorded by various agencies, the level of increase of Internet usage for banking purposes has not increased at the same rate. Online banking have been promoted for many years in Taiwan, but there are still some people don’t like to use. Developing online banking is a trend for any bank, because both banks and customers benefit greatly by online banking. For the banks, it has reduced operation costs, and it enables people to do financial transaction outside of bank hours and from anywhere.
This study attempted to integrate Commitment-Trust Theory with Expectation-Confirmation Theory, and use DeLone & McLean Information System Success Model：A Ten-Year Update (System Quality and Service Quality and information Quality) to explain users’ intention to continue using. Used SPSS15.0 and SmartPLS2.0 analysis software, and the samples consisted of 306 online users. The result showed that satisfaction, perceived usefulness, relationship commitment, and trust are the key effect factors, and the three quality confirmations all are very critical independence variables.

第一章 緒論 1
第一節 研究背景 1
第二節 研究動機 1
第三節 研究目的 2
第二章 文獻探討 3
第一節 網路銀行 3
第二節 期望確認理論與網路銀行持續採用之應用 5
第三節 承諾信任理論與網路銀行持續採用之應用 7
第四節 DeLone & McLean資訊系統成功模型：十年更新 9
第三章 研究架構 11
第一節 研究模型 11
第二節 二階形成型構面 11
第三節 研究假說 13
第四節 操作型定義與問項設計 15
第五節 研究樣本與資料收集 19
第六節 資料分析與工具 20
第四章 資料分析 22
第一節 樣本敘述性統計分析 22
第二節 因素分析及信效度分析 24
第三節 共同方法變異分析 28
第四節 研究假說檢定 29
第五節 分群分析 30
第六節 訪談 34
第五章 結果與建議 37
第一節 研究結果與討論 37
第二節 研究貢獻 40
第三節 研究限制 41
第四節 未來研究 41
參考文獻 43
附錄 48

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