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노춘섭,신정신,이유춘 한국정보전략학회 2002 한국정보전략학회지 Vol.5 No.1
Internet banking has been adopted by many bank clients and forecasted as the most preferred means of financial transactions in the coming years. The study identifies, through the extensive literature review, the factors that influence the adoption of internet banking, and proposes a research model based on the theory of reasoned action. It tests each path of the model with the data gathered from 301 bank clients. The study finds that factors such as spatial convenience, availability of various information, cost saving needs, safety and innovativeness influence the adoption attitude for internet banking. It also identifies bank transaction frequencies and amount moderate several influencing factors' effect on the adoption attitude. In addition, the study confirms the effect of the adoption attitude on the adoption behavior of internet banking.