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英国约克大学毕业论文写作 [20]

论文作者:www.51lunwen.org论文属性:硕士毕业论文 thesis登出时间:2014-08-25编辑:felicia点击率:31984

论文字数:16128论文编号:org201408241137217297语种:英语 English地区:中国价格:免费论文

关键词:网上银行现代金融机构网上银行客户Internet bankingmodern banking facilitiesonline banking

摘要:本文是一篇英国约克大学毕业论文写作范文。网上银行开始的很早,随着全球金融体系的不断发展,越发蓬勃地发展起来。本文将讨论移动安全投资和银行事务网络发展过程中所需要注意的问题。

ion to use online banking.


Hypothesis 3: security is the most important factor when considering using online banking.


RESEARCH METHOD

Participants were one hundred and ten undergraduate students in a Chinese university and all of them are of ethnic Chinese


RESULTS

Therefore, a user' adoption of online banking is influenced by their online shopping experience. What's more interesting is the significant level of perceived ease of use. The impact of perceived ease of use becomes statistically significant after adding covariate online shopping experience (p-value change from 0.134 to 0.05). Without taking into account the covariate online shopping experience, we would have concluded that perceived ease of use had no effect on the likelihood to use online banking.


Hypothesis 1 predicts that the perceived ease of use has a positive impact on the acceptance of online banking. Perceived ease of use does have a significant main effect on the acceptance of the online banking website.


Hypothesis 2 predicts that the presence (absence) of specific privacy policy has a positive (negative) impact on the acceptance of online banking. Therefore, we can conclude that the privacy policy has the main effect on the acceptance of online banking.


The interaction between perceived ease of use and privacy policy is not statistically significant meaning there is no statistically significant interaction between them. This result makes practical sense since these two independent variables capture totally different concerns about users' perception.


Debriefing Analysis

The results show that security is the most important concern of users, followed by privacy, and then perceived ease of use. These responses demonstrate that participants are really more concerned about security than any other factors. It justified our differentiation of privacy from security. All one sample t test results show that perceived ease of use, privacy, and security have different mean values from zero, which means all of these three factors are important to them when using online banking.


DISCUSSION AND CONCLUSION

By providing a specific privacy policy, users' behavioral intention to use the online banking website changes dramatically. This raised the policy concern for online privacy policy makers. By using experimental design, the study distinguished the privacy and security and demonstrated both factors playing an important role in the acceptance of online banking. Security is still the biggest concern for users, which is consistent with previous empirical results (Laforet and Li, 2005). The findings justified that there is an urgent need for a privacy and security policy to protect consumers' personal and financial information


For e-commerce merchants, they can attract more consumers by providing a specific privacy policy.


Then, perceived ease of use is identified as a main factor influencing users' adoption. From the results, it supports that online shopping is highly corre论文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。

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