A study on the consumer adoption behaviors of Internet Bank

Base on the Unified Theory of Acceptance and Use of Technology (UTAUT), the purpose of this study was to examine the influencing factors of the adoption of the financial services of Internet Bank. The proposed research model was validated with 371 respondents from nine domestic banks' customers in Taiwan. The findings of this study revealed that the prominent antecedents include Performance Expectancy, Effort Expectancy, Social Influence, and Perceived Risk. Most hypotheses of the study proposed are well supported by the empirical results. Furthermore, the proposed model can account for the variation of intention of use and usage behavior well enough. The results also showed that gender, age, and experience possessed moderating effects among antecedents and outcome variable. The findings may be used as theoretical base for future research and offer empirical foresight to managers of organizations in assessing and evaluating the performance of the Internet Bank.