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Title: Determinants of internet banking adoption by corporate customers : a study of behavioural intentions in Taiwanese businesses
Author: Chen, Wen-Hui
ISNI:       0000 0004 5360 9987
Awarding Body: University of Warwick
Current Institution: University of Warwick
Date of Award: 2014
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The aim of this thesis is to investigate the determinants of the behavioural intention of Internet banking adoption among individual members of a corporate customer’s buying centre, and to compare the difference between adopters (corporate customers) and non-adopters (companies that do not currently use Internet banking) with an emphasis on the factors that influence the adoption of Internet banking (IB). Five theoretical models were applied: theory of reasoned action (TRA), theory of planned behaviour (TPB), technology acceptance model (TAM), decomposed theory of planned behaviour (DTPB), and technology readiness (TR). Responses were explored in terms of the intention, attitude, subjective norm, perceived behavioural control, usability and relevance, innovativeness, operational concerns, normative influence, self-efficacy, and facilitating condition, in relation to the intent to adopt IB. The main purpose of the first qualitative study, which consisted of interviews with eight adopters, eleven non-adopters and three IB managers, was to understand the factors that influence corporate customers to adopt IB, and also to help formulate the design of the questionnaire. The main study involved the development and testing of a questionnaire with 431 respondents (257 adopters and 174 non-adopters). Factor analyses and multiple regressions were employed in the evaluation of the questionnaire. It was found that (1) attitude, subjective norm, and perceived behavioural control are the major factors in the corporate customer’s intentions toward IB adoption; (2) usability and relevance, innovativeness, and operational concerns are the key constructs that have influence over the corporate attitude towards the adoption of IB; (3) normative influence is found to be the construct that most heavily influences the subjective norm towards corporate adoption of IB; (4) self-efficacy and facilitating condition are the constructs that influence perceived behavioural control towards corporate adoption of IB; and (5) other than innovativeness, there was no significant difference between adopters’ behavioural intention and non-adopters’ behavioural intention. The research contributes to the development of a theoretical framework that identifies and tests the antecedents of attitude, subjective norm, and perceived behavioural control of buying centre participants’ intentions toward IB adoption. This study confirms that TR can be employed to explain the phenomena of the corporate customer’s behavioural intentions toward IB. In addition, this study contributes to the literature through its comparison of the behavioural intentions toward IB adoption between adopters and non-adopters.
Supervisor: Not available Sponsor: Ministry of Education, Taiwan ; Warwick Business School (WBS) ; Chiang Ching-kuo Foundation for International Scholarly Exchange
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID:  DOI: Not available
Keywords: HG Finance