臺灣博碩士論文加值系統

科技的日新月異使得行動銀行成為銀行業務中重要的一部分，這些創新的資訊技術可提升銀行的服務品質與客戶滿意度。本研究以印尼三寶瓏為例，來探討客戶使用行動銀行的相關因素，並以整合型科技接受模式(UTAUT)為基礎，在參考文獻後，增加「認知風險」及「認知存取障礙」兩個構面。使用之問卷經過前測的信、效度檢測後，問卷結果利用結構方程式(SEM)來檢定理論的模型，結果顯示「社會影響」對於使用者的「使用意圖」有正向的影響。

The advancement of technology enables mobile banking to become a possibility for the banking sectors, where adaptation of such information innovation can improve their services performance and customer satisfactions. This study aims to investigate and explore factors, which influence customers to use mobile banking in Semarang, Indonesia. The extending of unified theory of acceptance and use of technology (UTAUT) is used as the primary model, where perceived risk and perceived access barriers are further appended into the model. After testing and validating the reliability and validity of the questionnaire, the outcomes of the survey are tested through structural equation modeling (SEM) to test the relationship between various factors involving in the adaptation of mobile banking in Semarang Indonesia. The results seem to indicate that social influence has a significant positive impact in intention to use.

Recommendation Letter the Thesis Advisor
Thesis Oral Defense Committee Certification
Acknowledgement iii
Chinese Abstract iv
English Abstract v
Table of Contents vi
List of Figures ix
List of Tables x

Chapter I: Introduction
1.1. Background Information 1
1.2. Mobile Banking in Indonesia 2
1.3. Objective of the Study 4
1.4. Structure of the Study 5

Chapter II: Literature Review

2.1. Mobile Banking 7
2.2. UTAUT 8
2.3. Perceived Risk 10
2.4. Perceived Access Barriers 12
 
Chapter III: Methodology

3.1. Research Methodology 13
3.2. Sampling and Data Collection Procedures 13
3.2.1. Quantitative Research 13
3.2.2. Qualitative Research 14
3.3. Construct Measurement 15
3.4. Instrument Development 15
3.5. Research Model 16
3.6. Research Hypotheses 17
3.7. Statistics Method 21
3.7.1. Reliability 21
3.7.2. Factor Analysis 21
3.7.3. Structural Equation Modeling 22
3.7.4. Model Measurement 22

Chapter IV: Data Analysis

4.1. Descriptive Analysis 24
4.2. Reliability 26
4.2.1. Internal Consistency 26
4.2.2. Item-total Correlation 27
4.3. Factor Analysis 28
4.4. Structural Equation Modeling 29
4.5. Qualitative Research 35
 
Chapter V: Discussion & Conclusion

5.1. Findings 38
5.2. Research Implication 40
5.3. Research Limitations and Future Research 41
5.4. Conclusion 42

References 43

A. Appendix: Questionnaire
A1. Questionnaire (English) 55
A2. Questionnaire (Indonesian Language) 59
A3. Qualitative Method (English) 63
A4. Qualitative Method (Indonesian Language) 69

B. Appendix: Statistics
B1. Cronbach alpha 75
B2. Communalities 79
B3. Total Variance Explained 80
B4. Factor Loading 81


List of Figures
1.1 Thesis structure....................................................................................6
2.1 Unified theory of acceptance and use of technology ..........................9
2.2 Perceived risk and TAM....................................................................11
3.1 Research model .................................................................................17
4.1 AMOS result......................................................................................31
4.2 Hypotheses result ..............................................................................32
4.3 Modified research model...................................................................34

List of Tables
3.1. Measurement model assessment .......................................................23
4.1. Demographic information .................................................................25
4.2. Cronbach’ alpha reliability results ....................................................27
4.3. KMO test result .................................................................................28
4.4. Factor loading....................................................................................30
4.5. Hypotheses test result........................................................................33
4.6. p-value of modified model path ........................................................35

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