Study Of Online Banking Use Intention To Match The Task-based - Technology Influencing Factors

Internet Banking, also named as "Online Banking", is a combination of banking services and the Internet. Powered by the advanced information technology, Internet Banking can break the limits of time and space, and has the characters of convenience, high efficiency and low cost. With the development of Electronic Commerce and Internet Finance, Internet Banking has gained a rapid growth of user size and transaction scale in recent years.However, compared with foreign markets and other domestic online services, Internet Banking in China has yet got a lower acceptance. Although Internet Banking has a large repute, few of the Internet users actually use this service. Besides, the present Internet Banking is utilized at a low frequency and in low transaction amount. These are just the disadvantages we're facing in the development of Internet Banking. As the Internet and Electronic Commerce is developing into a new depth, and the competition between banks is becoming fiercer, the problem of how to enlarge the user base of Internet Banking and how to increase its user acceptance needs to be solved as soon as possible.Under this research background, this paper studies the behavioral intention of Internet Banking and its determinants, based on precedent research. The study takes the integrated model of Technology Acceptance Model (TAM) and Task-Technology Fit (TTF) as its theoretical fondation, and studies the factors affecting user acceptance of Internet Banking from the prospective of "fit", with a discussion of the relationship among "task", "technology" and "fit" as well as their impact on perceived usefulness, perceived ease of use, attitude toward using and behavioral intention of Internet Banking usage. Moreover, this study also did a grouping research by dividing the research objects into different groups according to their personal innovativeness. With a large amount of bibliography reading and a big scale social survey, and the use of Structure Equation Modeling for data analysis, this paper gains several meaningful conclusions, including these 3 originalities:1) some different conclusions are drawed on the impact of perceived usefulness and perceived ease of use toward behavioral intention;2) the diversity on relationships between "fit", perceived usefulness and perceived ease of use among different groups is found;3) "fit" is introduced to the present study domain.Based on the study conclusions, this paper also provides some suggestions on development of Internet Banking in China.