Network Technology For Online Banking Customers To Use Intention

Internet banking is a bank which use internet technology offers the following activities to customers: open an account, check account balances, transfer funds between accounts, transfer funds to accounts outside the bank, invest and financing. The past ten years has witnessed the booming of internet banking industry in China , where the transact amount through internet banking doubled almost every year , the number of internet banking customer hit 70 million . Though, contrast to 130 million internet users and 1.28 billion credit cards, there will be a huge room for internet banking industry to increase. According to the latest investigation, more than 60 percent customer did not use internet banking for the safe reason; they did not trust the technology the bank used can keep their money safe. There is still a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation, has still not become adopted by the laggards, and hence, has not met all the expectations of banks. Therefore, the purpose of this paper is to identify the technology factors which influenced people's adoption of internet banking, and how these factors do influenced people's adoption of internet banking.In order to achieve the objective, more than 500 Chinese bank customers were surveyed, after collected the data, this study employs SPSS 13.0 and AMOS 5.0 statistical software to analyze the survey data.This study employs the technology acceptance model as the theoretical framework for assessing the influences of perceived usefulness, perceived ease of use, technology trust. The findings indicate technology trust and perceived usefulness, perceived ease of use influenced Internet banking adoption. Of these, Technology trust is the main influence factor, the standardized loading of technology trust is 0.636 (P=0.000). The standardized loading of perceived usefulness is 0.276 (P=0.000), the standardized loading of perceived ease of use is 0.119 (P=0.05).The factor of web design technology, safe protect technology, web management technology positively and significantly influence technology trust, The standardized loading of web design technology is 0.209 (P=0.000). The standardized loading of safe protect technology is 0.522 (P=0.000), the standardized loading of web management technology is 0.141 (P=0.05).The factor of web design technology, safe protects technology, communication technology positively and significantly influence perceived ease of use.Perceived ease of use and technology trust positively and significantly influencesperceived usefulness.The technology factors do not direct influenced people's adoption of internet banking but through the median of perceived usefulness, perceived ease of use and technology trust. The contribution of the paper lies in achieving a more profound understanding of how do technology factors influenced people's adoption of internet banking, and further, in offering suggestions and practical advice for service providers' decision-making.