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研究生:甘札波蘿
研究生(外文):Bolor Ganzorig
論文名稱:網路銀行之使用行為研究-以蒙古為例
論文名稱(外文):An Investigation for Usage Intention towards Online Banking in Mongolia
指導教授:吳純慧吳純慧引用關係
指導教授(外文):Chun-Hui Wu
學位類別:碩士
校院名稱:國立虎尾科技大學
系所名稱:資訊管理研究所
學門:電算機學門
學類:電算機一般學類
論文種類:學術論文
論文出版年:2014
畢業學年度:102
語文別:英文
論文頁數:75
中文關鍵詞:網路銀行科技接受模式行為意圖蒙古
外文關鍵詞:Usage intentionOnline bankingTechnology acceptance ModelMongolia
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網路銀行提供使用者隨時隨地利用電腦或行動設備做線上查詢帳戶餘額、付款或轉帳。網路的普及化,吸引愈來愈多的人使用網路銀行來協助管理他們的財務。在亞洲,網路銀行的使用者正在快速成長中。因此,本研究之目的乃要了解有哪些重要因素將會引響使用者採用網路銀行,尤其針對認知有用、認知易用、自我效能、認知可信度、知覺便利性等五個因素與網路銀行行為意向之關係做深入探討。本研究根據科技接受模式與參考過去文獻建置研究模式並提出假設。研究方法採用網路問卷調查收集資料,研究對象為蒙古之網路銀行使用者,共收集有效問卷167份。回收資料以smartPLS檢驗研究假設後,研究發現認知有用、認知可信度、知覺便利性等因素有顯著影響網路銀行之使用意圖。

The dramatic growth in internet usage has attracted a number of customers with the ability and desire to adopt online baking because it allows customers to transfer money electronically from their computer or mobile device at any time, in any place. The usage of online banking has increased rapidly in Asia. Therefore, this study aims to investigate and understand some important factors including perceived usefulness, ease of use, credibility, self-efficacy, and facilitating condition that are significant in explaining usage intention towards Internet banking services in Mongolia. A research model is conducted based upon literature and the technology acceptance model. This study conducted an Internet survey for collecting data, and Mongolia online banking users served as examples. Data obtained from 167 valid respondents in Mongolia. For testing theoretical hypotheses, structure equation modeling (SEM) was conducted using maximum likelihood estimation in Smart PLS. Theoretical contributions and practical implications on the finding are discussed and suggestions for future study were presented.

Contents
Abstract .................................................................................................................. i
摘要 ....................................................................................................................... ii
Acknowledgements .............................................................................................. iii
Contents ................................................................................................................ iv
List of Tables ........................................................................................................ vi
List of Figures ..................................................................................................... vii
Chapter 1 Introduction .......................................................................................... 1
1.1 Background ............................................................................................... 1
1.2 Mongolian banking sector and ICT sector ............................................... 3
1.3 Purpose ..................................................................................................... 5
1.4 Delimitation .............................................................................................. 5
1.5 Structure of the Thesis .............................................................................. 7
Chapter 2 Literature Review ................................................................................. 9
2.1 Review and definition of online banking ................................................. 9
2.2 Electronic banking (E-banking) in Mongolia ......................................... 10
2.3 Theoretical background – Technology Acceptance Model .................... 14
2.3.1 Theory of Reasoned Action (TRA) . ................................................ 16
2.3.2 Unified Theory of Acceptance and Use of Technology (UTAUT) Model. ........................................................................................................... 17
2.4 External variable ........................................................................................ 18
2.4.1 Perceived Credibility ........................................................................... 19
2.4.2 Perceived Self-Efficacy ....................................................................... 20
2.4.3 Perceived Facilitating Condition ......................................................... 21
v
Chapter 3 Research Methodology ....................................................................... 22
3.1 Research Framework .................................................................................. 22
3.2 Research hypothesis framework ................................................................ 23
3.3 Research Approach .................................................................................... 26
3.4 Questionnaire Development ....................................................................... 27
3.5 Data analysis .............................................................................................. 30
3.5.1 Research Quality: Reliability and Validity .......................................... 30
3.5.2 Statistical Analysis ............................................................................... 31
3.5.3 Confirmatory factoring analysis .......................................................... 32
3.6 Summary of the research methodology ..................................................... 32
Chapter 4 Results ................................................................................................ 34
4.1 Respondents‘ Demographic ....................................................................... 34
4.2 Factor Analysis........................................................................................... 36
4.3 Reliability Analysis .................................................................................... 38
4.4 Hypotheses Testing ................................................................................... 40
Chapter 5 Conclusions ........................................................................................ 45
5.1 Discussion .................................................................................................. 45
5.2 Conclusion .................................................................................................. 48
5.3 Limitation and Future Study ...................................................................... 49
References ........................................................................................................... 51
Appendix I English Questionnaire ...................................................................... 57
Appendix II Mongolian Questionnaire ............................................................... 60
Extended Abstract ....................................... 64
Curriculum Vitae (CV) ........................................................................................ 74
vi
List of Tables
Table 3.1 Measurement scales………………………………………………27
Table 3.2 Cronbach‘s Alpha Coefficient Consistency………………………30
Table 3.3 KMO‘s Values……………………………………………………32
Table 4.1 Respondent‘s Demographic Profile………………………………35
Table 4.2 KMO and Bartlett‘s Test Results…………………………………36
Table 4.3 Pattern Matrix…………………………………………………….37
Table 4.4 Reliability Testing Results………………………………………..39
Table 4.5 Internal Structure Model Fit………………………………………40
Table 4.6 Discriminant Validity of Constructs……………………………...40
Table 4.7 Summary of hypotheses analysis…………………………………42
vii
List of Figures
Figure 1.1 Structure of the thesis………………………………………………8
Figure 2.1 Technology Acceptance Model…………………………………..14
Figure 2.2 Theory of Reasoned Action (TRA) Model……………………….17
Figure 2.3 Unified Theory of Acceptance and Use of Technology Model……………………………………………………………..18
Figure 3.1 Research model…………………………………………………...23
Figure 4.1 Result of Structural Model………………………………………..41
Figure 4.2 Result of Structural Model………………………………………..44

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