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研究生：	班娜吉 Quadir, Benazir
論文名稱：	Customer Perceptions, System’s Characteristics and Online Banking in Bangladesh Customer Perceptions, System’s Characteristics and Online Banking in Bangladesh
指導教授：	林清河 Lin, Chin-Ho
學位類別：	碩士 Master
系所名稱：	管理學院 - 國際經營管理研究所碩士班 Institute of International Management (IIMBA--Master)
論文出版年：	2008
畢業學年度：	96
語文別：	英文
論文頁數：	132
外文關鍵詞：	Online banking adoption, Bangladesh, Perceived ease of use and Subjective norm, Perceived usefulness, Trust, Technology acceptance model 2
相關次數：	點閱：96 下載：1
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Now a day’s information technology is important not just for developed countries, but also important for developing countries. Online banking adoption is one of the rich sources in information technology adoption, in developing countries. This study focuses on to know the customer perceptions and system’s characteristics, through examining the relationship among six constructs through online banking in Bangladesh as a developing country case based on the Technology Acceptance Model 2. One of the objectives of this study is to explore the demographic variables differences in perceptions of online banking adoption. Online banking in Bangladesh just have only seven years history, but rapid development of online banking is important for researchers trying to determine factors influencing online banking adoption, based on literature review and theory, a framework was developed. A questionnaire survey and sampling was conducted for quantitative analysis. Furthermore, the study results suggest trust is important determinant to use online banking. In gender perceived ease of use and actual usage are significant. In education perceived ease of use is not significant. For age subjective norm, behavioral intention and actual usage are significant and different from other groups and income level only actual usage is not significant. Conclusions, Implications for research and limitations are discussed.

ACKNOWLEDGEMENTS	I
ABSTRACT	II
TABLE OF CONTENTS	III
CHAPTER ONE INTRODUCTION	1
1Research Background and Motivation.	1
2 Research Objectives	11
3 Research Procedure and Scope of this Study	11
4 Structure of the Research	15
CHAPTER TWO LITERATURE REVIEW	17
1 Theoretical Background: Technology Acceptance Model 2	17
2 Definitions of Constructs	23
2.1. Perceived Usefulness	23
2.2 Perceived Ease of Use	24
2.3 Trust	25
2.4. Subjective Norm	29
2.5 Behavioral Intention	31
2.6 Actual usage in online banking	32
1.7 Demographics and customers acceptance of online banking	33
3 Relationship among Research Constructs	34
3.1. Relationship among Perceived Usefulness, Perceived Ease of Use and Trust	34
3.2. Relationship between Trust and Subjective norm	34
3.3. Relationship between Perceived Usefulness and Perceived Ease of Use	35
3.4. Relationship among subjective norm, perceived usefulness and behavioral intention	36
3.5. Relationship between Perceived Ease of Use and Behavioral Intention	37
3.6. Relationship among Subjective Norm, Behavioral Intention and Actual Usage	38
3.7. Relationship between demographic and online banking system characteristics	39
CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY	43
1 The Conceptual Model	43
2 Construct Measurement	44
2.1. Perceived Usefulness	44
2.2 Perceived Ease of Use	45
2.3 Trust	45
2.4 Subjective Norm	46
2.5 Behavioral Intention	47
2.6 Actual Usage	47
2.7 The Information of the Respondents	48
3 Questionnaire Design and Sample Plan	48
4 Hypotheses to Be Tested	49
5 Data collection and Analysis	51
5.1 Descriptive statistics analysis	51
5.2 Purification and Reliability of the Measurement Variables	52
5.3. Multiple Regression Analysis	53
5.4. Structural Equation Model	53
CHAPTER FOUR DESCRIPTIVE ANALYSIS AND RELIABILITY TEST	54
1 Descriptive Analysis	54
2 Data Collection	54
3 Characteristics of Respondents	55
4 Measurement Results for Relevant Research Variables	56
5 Factor Analysis and Reliability Test	58
5.1 Perceived Usefulness	59
5.2 Perceived Ease of Use	60
5.3 Subjective norm	61
5.4 Trust, Behavioral intention and Actual usage	63
CHAPTER FIVE RESEARCH ANALYSIS AND RESULTS	65
1 Relationships among constructs	65
1.1 Relationships between Trust and Perceived Usefulness	65
1.2 Relationships between Trust and Perceived Ease of Use	66
1.3 Relationships between Trust and Subjective Norm	67
1.4 Relationships between Perceived Usefulness and Perceived Ease of Use	68
1.5 Relationships between Perceived Usefulness and Subjective Norm	69
1.6 Relationships between Perceived Usefulness and Behavioral Intention	70
1.7 Relationships between Perceived Ease of Use and Behavioral Intention	71
1.8 Relationships between Subjective Norm and Behavioral Intention	72
1.9 Relationships between Behavioral Intention and Actual Usage	73
2 Independent Sample t-tests	75
2.1 Gender Respondents	76
2.1 Education Respondents	76
3 One-way ANOVA	77
3.1 Age Respondents	78
3.2 Income Respondents	79
4 Structure Equation Model	81
5 Effect on among the constructs	86
CHAPTER SIX CONCLUSIONS AND SUGGESTIONS	88
1 Research Conclusions and Discussions	88
2 Managerial Implications	94
2.1 Practical Implications	94
2.2 Theoretical Contributions and Implications	96
3 Research Limitations	98
REFERENCES	100
APPENDIEXS	112
QUESTIONNAIRE	114
                                    

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