摘要:随着互联网技术和电子商务的发展,网上银行服务已成为主流。此外,它是对银行的未来的主流。网上银行服务的安全性问题。因此,研究网上银行的安全问题,对于提高银行业的发展是十分必要的。
ain reason is that males have higher risk burdern than female.
Futhermore, it has been shown that older customers have higher perceived risk level than younger customers. The reason is that older customers have advantages in collecting information, product knowledge and life experience. Therefore, they can make faster decision for the risk.
Also, higher educated consumers have lower perceived risk than lower educated consumers. Added to this, lower income consumers have higher perceived risk than higher income customers. Last but not the least, it has been shown that the online banking experience is coming from frequent use. The higher frequency users have lower perceived risk.
Reference List文献
Andrew, E. and John, S. (2004), Influences on the perceived risk of purchasing online, Journal of Consumer Behavior, vol. 4(2), pp. 118-131
Bauer, R.A. (1960), 'Consumer behavior as risk taking in Hancock', R.S. (Ed. Dyna-mic
Marketing for a Changing World Proceedings of the 43rd Conference of the American Marketing Association', pp. 389-398
Chan, S.C. And Lu, M.T. (2004), ‘Understanding Internet Banking Adoption and Use Behavior: A Hong Kong Perspective’, Global Inform Manage, vol. 12, pp. 21-43
Cheng, T.C.E., Lam, D.Y.C. And Yeung, A.C.I. (2006), Adoption of Internet Banking: An Empirical Study in Hong Kong, Decis Support, Syst, vol. 42(3), pp. 1558-1572
Cunningham, S.M., (1967), 'The major dimensions of perceived risk', Graduate School of Business Administration, Boston: Harvard University Press
Dan, J.K. And Donald, L.F. (2008), A trusted-based consumer decision making Model in electronic commerce: The Role of Trust, Perceived Risk and their Antecedents, Decision Support Systems, vol. 44, pp. 544-564
Derbaix. C. (1983), Perceived Risk and Risk Relievers: An Empirical Investigation, Journal of economic psychology, vol.3, pp, 19-38
Featherman, M. S. and Paul, A. P. (2003), 'Predicting e-services Adoption: A Perceived Risk Facets Perspective', International Journal of Human-Computer Studies, Vol. 59(8), pp. 451-474
Forsythe and Boshi (2003), Consumer patronage and risk perceptions in Internet shopping, Journal of Business Research, vol. 9(12), pp. 867-875
Hitoshi, Y. (2003), Managing online trade by reputation circulation: An agenct-based approach to the C2C market
Hughes, T. (2003), 'Marketing Challenges in E-bankings: Standalone or Integrated'? Journal of Marketing Management, vol. 19, pp. 1067-1085
Jaconby and Kaplan, Leon, B. (1972), The components of perceived risk, proceedings, Third annual conference, Association for Consumer Research, Chicago: University of Chicago
Jarvenpaa, S.L. and Todd, P.A. (1996), 'Consumer Reactions to Electronic Shopping on the World Wide Web', Electronic Commerce, vol. 12, pp. 59-88
Miyazaki, A. and Fernandez, A. (2001), Consumer perceptions of privacy and seccurity risks for online shopping, Journal of consumers affairs, vol. 305(1), pp. 27-45
Miyazaki, K. (2001), Consumer Perceptions of Privacy and Security Risks for online Shopping, Journal of Consumer Affairs, vol. 7, pp.27-45
Nena, L. (2003), Consumers’ perceived risk: sources versus consequences, Electronic Conmmerce Research and Applications, vol.
本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。