Factors influencing Internet banking adoption

• Chechen Liao

  National Chung Cheng University

• Yi-Jen Huang

  National Chung Cheng University

• Tung-Heng Hsieh

  National Chung Cheng University

As research on this topic is increasing, we analyzed consumer Internet banking adoption, with a particular focus on privacy, trust, and security based on an analysis of 670 responses to a survey. The results showed that prospective users’ privacy concerns, particularly the concerns of those who were more socially aware, were affected by their perception of online banking security vulnerability. The results corroborate those reported in previous research demonstrating the importance of consumer perception of a bank’s reputation and similarity to a related entity in creating trust. On the other hand, the results indicate that respondents were not affected by perceived size of the institution, and that privacy concerns did not have an adverse effect on prospective users’ decision to adopt Internet banking.

1. Chechen Liao, National Chung Cheng University
   Department of Information Management
2. Yi-Jen Huang, National Chung Cheng University
   Department of Information Management
3. Tung-Heng Hsieh, National Chung Cheng University
   Department of Information Management

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