Research On Antecedents Of Users' Acceptance Of Online Banking And Management Tactics

From the perspective of the special nature of the online banking application, thispaper, based on technology acceptance model, corrects and extends the traditionaltechnology acceptance model to get a new theoretical model in which newantecedents are introduced, and some relationship of different variables areadjusted.We select people with internet experience as our research object, Analysisresult shows that: the level of trust,perceived usefulness and perceived ease of usehave positive impacts on attitude to online banking; degree of security and privacyprotection, understanding of online banking and social impact have positive impactson online banking trust; computer self-efficacy and quality of Internet connectionhave positive impacts on perceived ease of use; Self-efficacy and quality of Internetconnection have mediating impact on attitude of online bank through perceived easeof use, and perceived safety and understanding about online bank have mediatingeffect on attitude through trust. Additionally, we conduct a qualitive study and findthat the influencing factors are different from each other in different period.According to theoretical and empirical research results, the methods for improvingonline banking acceptance are discussed from following perspectives: perceived easeof use, perceived usefulness, and so on.