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研究生:沈威政
研究生(外文):Wei-cheng Shen
論文名稱:企業資訊科技治理的資訊要項揭露對電子商務使用者信任因素之研究-以網路銀行為例
論文名稱(外文):The information disclosure items from T governance affects for customer’s rust factors in the E-Commerce– The example of internet banking
指導教授:黃士銘黃士銘引用關係
指導教授(外文):Shi-Ming Huang
學位類別:碩士
校院名稱:國立中正大學
系所名稱:會計所
學門:商業及管理學門
學類:會計學類
論文種類:學術論文
論文出版年:2005
畢業學年度:94
語文別:中文
論文頁數:111
中文關鍵詞:信任資訊科技治理網路銀行COBIT
外文關鍵詞:COBITInternet BankingIT GovernanceTrust
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釵h學者研究證明出,信任已經是影響電子商務發展最重要因素(Kim and Prabhakar, 2000; Gefen, 2000; Jarvenpaa et al., 2000)。網站給予使用者的信任感知主導使用者對於網站使用意願。而網路銀行上的信任議題,並不單只是利用第三信任標章可以涵說A而是將顧客對於實體銀行的高度信任結構轉移至網路銀行上(Yousafzai et al., 2005)。因此安全、隱私與風險的議題與一般網路商店不同,網路銀行上的風險與安全是涵遜篘暺璊熙〞爾穈T架構管理(Castelfranchi and Tan (2001)。
近期,國內外更是發生釵h網路銀行因資訊科技管理不當,造成顧客基本資料外洩(東森新聞報,2005),影響使用者對於網路銀行的信任與使用意願。因此,影響使用者對於網路銀行的信任因素,包含第三信任標章、網路銀行結構保證、知覺網路品質等,都需均衡考量,方得完整探索出使用者對於網路銀行的信任因素。
本研究探索網路銀行的資訊科技治理與使用者信任因素之研究,沿用McKnight(2002)使用者信任因素,在具有資訊科技治理第三信任標章服務保證下正向提升使用者的對於網路銀的信任意圖與信任信念。研究中經由學界與實務界菁英萃取出資訊科技治理16項的揭露架構,成左瘍X動使用者在網路銀行的信任。並獲得3項策略主題,建構出網路銀行業者可遵循的架構。實驗結果顯示,將使用者對於實體
銀行高度信任需求,藉由資訊科技治理的資訊要項揭露在網路銀行上,使用者對於安全、風險與隱私議題可以改善而增強對網路銀行的信任。
Recently, many researchers proved the trust is the most important factors that inferences E-commerce (Kim and Prabhakar,2000 ; Gefen, 2000; Jarvenpaa et al, 2000). The trustworthies from website influences users’ willing. The topic of trust by using internet banking is not only the 3rd trust seal, but also transfer customers’ trust from physical bank to website (Yousafzai et al, 2005). Thus, the topics of security, privacy, and risk are different between internet banking and website stores. It contains internal information management of physical bank (Castelfranchi and Tan, 2001).
There are many events which affect willing of customers to use internet banking due to bad information management of internet banking. As a result, there are three trusting factors such as the 3rd trust seal, reputation, and quality of website that affects customers’ trust to using website banking.
In this thesis, we use Mcknight’s (2002) trusting factors to research information technology management of internet banking and customers’ trust. The finding of research point out customers’ trust of using internet banking is increasing under the IT governance 3rd trust seal and it develops three strategic topics to build a structure for internet banking. In this study, we invite some experts of strong domain knowledge from academic and internet banking to collect the consistent opinions about information technology 16 items which successfully to drive the trusting belief in the internet banking. In the experiment, The IT governance framework improves the security, risk and privacy customer concerns and enhances customer trusting belief, trusting intention in the internet banking.
第一章 緒論 1
第二節、研究動機 4
第三節、研究目的與問題 7
第四節、研究範圍與限制 8
第五節、研究流程 9
第二章 文獻探討 12
第一節、信任策略建立與特性 12
第二節、資訊科技治理 20
第三節、目前電子商務信任領域相關研究 30
第三章 研究方法 34
第一節、研究架構 34
第二節、研究構面與變數 36
第三節、研究流程 49
第四節、實驗問卷調查 51
第四章 資料分析 56
第一節、專家問卷資料分析 56
第二節、實驗問卷資料分析 58
第三節、樣本統計分析 62
第四節、研究假說檢定 68
第五節、研究假說檢定結果彙整 71
第五章 結論與建議 73
第一節、研究結論 73
第二節、研究建議 78
第三節、研究限制 80
第四節、未來研究方向 81
參考文獻: 84
【附錄A-使用者實驗問卷】 91
【附錄B-系統實驗畫面】 96
中文部份
鄞國鏈,2004,第三方保證標章對網路消費者行為意圖之影響,國立中央大學資訊管理研究所碩士論文。
陳佩瑜,會計師評估資訊安全內部控制架構之探討內容,國防管理學院/國防財務資源研究所碩士論文
孫淑景,2003,內控處理準則電腦資訊循環之個案研究-以BS7799資訊安全及COBIT控制目標為例,中原大學會計學系碩士學位論文。
黃慧文,2001,COBIT 觀點下網路銀行內部控制與稽核之研究,中原大學會計學系碩士學位論文。
資策會,2004,我國2004年各行業企業連網及資訊應用調查系列(六)金融及保險業, http://www.find.org.tw
東森新聞報,2005,http://www.ettoday.com.tw

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