Back
 AJIBM  Vol.6 No.6 , June 2016
The Key Factors Influencing Internet Finances Services Satisfaction: An Empirical Study in Taiwan
Abstract: The global innovation of information technology fundamentally reshaped the finance technology and the flourishing development over the past decade. The high coverage of both the internet network and the mobile phone has facilitated Taiwan to become one of the most potential internet finance regions. This study aims to empirically validate the technology acceptance model (TAM 3) for exploring the key factors that influence the internet finance development. SEM was adopted to investigate both the hypothesis and the path coefficient associations among the constructs and their significance. Confirmed factor analysis for the instrument validity and reliability assessment was made. Hierarchy regression was performed to test the moderator effect of experience and voluntariness. This study result found that Taiwan finance customers had high expectations of information security and preferred high technology products with complex functions. The result demonstrated that customer’s Use Behavior was influenced by Perceived of Usefulness, not Perceived of Ease of Use. The moderator effect result in Experience had a positive moderator effect on Objective Usability to Perceived Ease of Use. This research extracted the key factors that influenced the internet finance development in Taiwan for providing both local government and internet finance developing countries guidelines while concurrently developing an internet finance development strategy.
Cite this paper: Chen, M. , Chen, S. , Yeh, H. and Tsaur, W. (2016) The Key Factors Influencing Internet Finances Services Satisfaction: An Empirical Study in Taiwan. American Journal of Industrial and Business Management, 6, 748-762. doi: 10.4236/ajibm.2016.66069.
References

[1]   Hong Kong Edge (2015) Interview with Mr. Joseph King. A Magazine for the Hong Kong Market, Issue 13, December 2015.

[2]   Balasubramanian, S., Jaganathan, V. and Natarajan, T. (2014) Information Systems Success in the Context of Internet Banking: Scale Development. JIBC, 19, No. 3

[3]   Dhurup, M., Surujlal, J. and Redda, E. (2014) Customer Perceptions of Online Banking Service Quality and Its Relationship with Customer Satisfaction and Loyalty. Mediterranean Journal of Social Sciences, 5, No. 8.

[4]   Karimzadeh, M. and Alam, D. (2012) Electronic Banking Challenges in India: An Empirical Investigation. Interdisciplinary Journal of Contemporary Research in Business, 4, No. 2.

[5]   Xue, M., Hitt, L.M. and Chen, P.Y. (2011) Determinants and Outcomes of Internet Banking Adoption. Management Science, 57, No. 2.
http://dx.doi.org/10.1287/mnsc.1100.1187

[6]   Curran, J.M. and Meuter, M.L. (2005) Self-Service Technology Adoption: Comparing Three Technologies. Journal of Services Marketing, 19, 103-113.
http://dx.doi.org/10.1108/08876040510591411

[7]   Mangin, J.P.L. and Bourgault, N. (2014) The Moderating Role of Risk, Security and Trust Applied to The TAM Model in The Offer of Banking Financial Services in Canada. JIBC, 19, No. 2.

[8]   Venkatesh, V., Thong, J.Y.L. and Xu, X. (2012) Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36, 157-178.

[9]   Ismail, M.A. and Osman, M.A.Y. (2012) Factors Influencing the Adoption of E-banking in Sudan: Perceptions of Retail Banking Clients. Journal of Internet Banking and Commerce, 17, No. 3.

[10]   Fonchamnyo, D.C. (2013) Customers’ Perception of E-banking Adoption in Cameroon: An Empirical Assessment of an Extended TAM. International Journal of Economics and Finance, 5, No. 1.

[11]   Yousafzai, S.Y. (2012) A Literature Review of Theoretical Models of Internet Banking Adoption at the Individual Level. Journal of Financial Services Marketing, 17, 215-226.
http://dx.doi.org/10.1057/fsm.2012.19

[12]   Machogu, A.M. and Okiko, L. (2015) E-Banking Complexities and the Perpetual Effect on Customer Satisfaction in Rwandan Commercial Banking Industry: Gender as a Moderating Factor. Journal of Internet Banking and Commerce 20, No. 3.

[13]   Lai, P.C. and Ahmad, Z.A. (2015) Consumers’ Intention to Use a Single Platform E-Payment System: A Study among Malaysian Internet and Mobile Banking Users. JIBC, 20, No. 1.

[14]   Aliyu, A.A., Rosmain1, T. and Takala, J. (2013) Online Banking and Customer Service Delivery in Malaysia: Data Screening and Preliminary Findings. International Conference on Innovation, Management and Technology Research, Malaysia, 22-23 September, 2013.

[15]   Namahoot, K.S. and Laohavichien T. (2015) An Analysis of Behavioral Intention to Use Thai Internet Banking with Quality Management and Trust. Journal of Internet Banking and Commerce, 20, No. 3.

[16]   Paschaloudis, D. and Tsourela, M. (2014) Using E-S-QUAL to Measure Internet Service Quality of E-Banking Web Sites in Greece. JIBC, 19, No. 1.

[17]   Kundu, S. and Datta, S.K. (2014) Customer Loyalty towards Internet Banking: Some Survey Evidence for Banks in India. The IUP Journal of Bank Management, XIII, No. 4.

[18]   Safeena, R., Kammani, A. and Date, H. (2013) Assessment of Internet Banking Adoption: An Empirical Analysis. Arabian Journal for Science and Engineering, 39, 837-849.

[19]   Davis, F.D. (1989) Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology, MIS Quarterly, 13, 319-340.
http://dx.doi.org/10.2307/249008

[20]   Davis, F.D. (1993) User Acceptance of Information Technology: System Characteristics, User Perceptions and Behavioral Impacts. International Journal of Man-Machine Studies, 38, 475-487.
http://dx.doi.org/10.1006/imms.1993.1022

[21]   Venkatesh, V. and Davis, F.D. (2000) A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46, 186-204.
http://dx.doi.org/10.1287/mnsc.46.2.186.11926

[22]   Venkatesh, V. and Bala, H. (2008) Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, 39, No. 2.
http://dx.doi.org/10.1111/j.1540-5915.2008.00192.x

 
 
Top