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ne banking (Laforet, and Li, 2005). A joint survey in China polled over six thousand people, with nearly 90% showing severe security concerns about online banking. According to the latest report, online payment has become the biggest obstacle for the penetration of E-commerce in China. As the facilitator of online payment, online banking is of great importance to the further development of Chinese E-commerce. Understanding how people perceive online banking may help policy maker and managers to facilitate the prosperity of the E-commerce.

Privacy and Security Policy

Trust is the most important and preferable factor in the adoption of online banking any where around the world. And privacy of the users data and the security of the personal data of the users are the two key factors required to be fulfilled in the case of trust and the adoption of online banking.

In the literature, privacy and security have been mixed together in a large body of research. There is very little research investigating the different impact of privacy and security partly due to the high correlation between them (Belanger, et al. 2002).

In this study, privacy is measured by the presence or absence of specific privacy policy whether the online banking offers its own privacy policy or not. This has particular meanings to China since there are no specific laws and rules protecting consumers' online privacy yet. Privacy commitment of online product and services merchants may serve as assuring consumers' suspicions. Posting the websites' privacy policy has been justified as a good business practice (Culnan, 1999). In this study, the presence or absence of specific privacy policy is used to measure the different levels of online banking websites' commitment.

Hypothesis 2: the absence (presence) of privacy policy of online banking websites leads to less (more) adoption of the online banking.

Previous research has shown that privacy and security concerns are always mixed together. In this study, privacy is identified as an important factor influencing the acceptance of online banking.

The impact of security is not investigated in this study. There are two reasons. First, even though there is a mix use of security and privacy in the extant literature, there are still some studies that provide empirical support to the dominant impact of security in influencing the Internet-related services including online shopping and banking (Belanger et al, 2002; Laforet and Li, 2005; Frank, 2006; China.Com, 2007). The second consideration is that Chinese online banking and online shopping are still in their early stages.

Security is still the dominant factor influencing peoples' acceptance of online banking in China (Laforet and Li, 2005). In this sense, other factors' effects may be totally covered due to the dominance of the security concern and not discernible for us. However, we still investigate how people perceive the relative importance of perceived ease of use, privacy, and security in the debriefing part of the experiment, which enables us to justify our current hypothesis that security is the most important factor influencing users' behavior intent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。