發(fā)布時間：2021-06-22 14:14

　　隨著互聯(lián)網(wǎng)技術(shù)的發(fā)展,移動銀行業(yè)務(wù)也有了長足進(jìn)步。通過智能手機(jī)平臺使用電子銀行進(jìn)行交易的數(shù)量,在近年來已經(jīng)有了顯著增長,移動銀行允許人們隨時隨地訪問銀行服務(wù),從而使業(yè)務(wù)的展開更加高效。這已經(jīng)改變了人們的生活方式。每個擁有移動設(shè)備的客戶都可以連接到互聯(lián)網(wǎng)。然而,大多數(shù)文獻(xiàn)認(rèn)為移動銀行僅僅是一個新興的平臺,其技術(shù)水平較低,尚未成為交易的主要渠道。雖然已有一些文獻(xiàn)提出了“選擇理論”來解釋移動銀行的使用率,但都沒有考慮機(jī)構(gòu)方面的壓力。鑒于移動交易的吸引力,自2014年以來,在線支付每年的增長率超過33.8%。因此,有必要研究影響移動銀行業(yè)務(wù)的使用率的機(jī)構(gòu)壓力和行為意圖,以及感知風(fēng)險對其的調(diào)節(jié)作用。本文基于行為意向與制度理論,提出了一種解釋制度壓力的三個變量（強(qiáng)制性,規(guī)范性和模仿性）的模型,(其中包括這三個因素如何影響移動銀行業(yè)務(wù)使用率,并討論了如何通過感知風(fēng)險來調(diào)節(jié)這些影響。為此,本文使用結(jié)構(gòu)化問卷,通過互聯(lián)網(wǎng)收集數(shù)據(jù)。本文使用自管理的在線調(diào)查方法,通過微信和QQ從被調(diào)查者處收集數(shù)據(jù)。這些數(shù)據(jù)經(jīng)過兩位具有移動銀行相關(guān)專業(yè)背景的博士研究員審核。眾所周知,中國人對移動技術(shù)日益依賴。尤其是學(xué)生在日常... 

【文章來源】：中國科學(xué)技術(shù)大學(xué)安徽省 211工程院校 985工程院校

【文章頁數(shù)】：112 頁

【學(xué)位級別】：碩士

【文章目錄】：
摘要
ABSTRACT
List of Abbreviations
Chapter 1 Introduction
    1.1 Background and Significance
    1.2 Innovation in Society
    1.3 The Evolution of Mobile Banking
    1.4 Mobile Services and Social Media
    1.5 Statement of the Problem
Chapter 2 Review of Related Literature
    2.1 The Concept of Mobile Banking
    2.2 Theoretical Literature Review
        2.2.1 Institutional Theory
        2.2.2 Theory of Reasoned Action
    2.3 Determinants of Attributes
        2.3.1 Coercive Pressure
        2.3.2 Normative Pressure
        2.3.3 Mimetic Pressures
        2.3.4 Behavioral Intentions
        2.3.5 Perceived Risk
    2.4 Understanding Mobile Banking To Other Financial Terms
    2.5 Mobile Banking Services
        2.5.1 The Benefits of Mobile Banking
        2.5.2 Challenges of Mobile Banking Services
        2.5.3 Dangers in Using Mobile Banking
Chapter 3 Methodology
    3.1 Research Philosophy
    3.2 Research Approach
        3.2.1 Quantitative versus Qualitative Research Approaches
        3.2.2 Deductive versus Inductive Research Approaches
    3.3 Research Design, Sample and Techniques
        3.3.1 Research Design
        3.3.2 Sample Size
        3.3.3 Sampling Technique
        3.3.4 Data Collection Instrument
        3.3.5 Validity and Reliability Test
        3.3.6 Demographic Variables
    3.4 The Hypotheses Development
        3.4.1 Coercive Pressure and Mobile Banking Adoption
        3.4.2 Normative Pressure and Mobile Banking Adoption
        3.4.3 Mimetic Pressure and Mobile Banking Adoption
        3.4.4 Behavioral Intention and Mobile Banking Adoption
        3.4.5 Perceived Risk and Mobile Banking Adoption
Chapter 4 Analysis and Findings
    4.1 Measures
    4.2 Measure validation
    4.3 Hypothesis Testing and Model Analysis
    4.4 The Effect of Perceived Risk Interaction
    4.5 Discussion and Findings
    4.6 Theoretical Contribution
Chapter 5 Summary, Recommendations and Conclusion
    5.1 Summary
    5.2 Theoretical Implication
    5.3 Recommendations
    5.4 Conclusion
    5.5 Limitations and Future Direction
References
Acknowledgement
Publications



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