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fast economic growth. China has become the number one country of Internet users, the US being number 2. However, using the Internet for e-commerce and online banking in China is still behind the US and the European Union. We assume that the perceived ease of use is still an important factor influencing users' adoption of online banking.

Hypothesis 1: the easier the use of the online banking website, the more likely the users will use this service

The functionality of online banking is the same as a local bank, especially the financial services. Since online banking has the same functionality of local banks, the perceived usefulness might not be as important a factor for people to use online banking.

This research was done in China and the main objectives of the research were to find out the acceptance level of online banking in China. To get the results the researcher tried to find out the customers perception of online banking based on the perceived ease of use of online sites, level of security and the privacy policy provided by the online banking websites.

We find that both perceived ease of use and privacy policy have a significant impact on user's adoption of online banking.

n this study, we also investigate the relative importance of perceived ease of use, privacy, and security. Perceived ease of use is of less importance than privacy and security. Security is the most important factor influencing user's adoption. A discussion of the implications of these results and limitations are provided at the end. Our experimental findings show that both perceived ease of use and privacy policy have a significant impact on the acceptance of online banking while there is no interaction between them. Online shopping is a significant covariate, which means that it is highly correlated with online banking adoption. Furthermore, security concern is identified as the most important consideration about using online banking, even though privacy policy also impacts people' use.

INTRODUCTION

This new age of IT has opened a new window for the banks/financial institutions to expand the scale of their financial services and enable them to use internet as a powerful medium to attract and facilitate their customers by offering online financial services in the form of online banking.well.These days banks are using internet as an alternative to traditional ways of banking.

And online banking is considered as the most advance and powerful way of reducing the cost of providing financial services and to maintain and further enhance and expand services for the consumers.

There is been rapid growth observed in the number of online users inChina but most of them are organizational users and the number of individual users of online banking in China is still very low. And according to latest statistics there are around 40 million users of online banking in China But surprising thing to explain here is that the ratio of online banking is still very less although the development of E-commerce is expanding in china.

Security is still the biggest obstacle of the acceptance of onli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。