Title: 台灣高科技廠商使用網路銀行之相關因素研究
An Empirical Study on Factors Affecting Internet Banking Adoption for High-technology Enterprises in Taiwan
Authors: 蔡佩鈴
Pei-Ling Tsai
Keh-Luh Wang
Keywords: 網路銀行;高科技廠商;Internet Banking;High-technology Enterprises
Issue Date: 2000
Abstract: 國內金融環境隨著銀行法規在網路上的開放,以及使用者的快速成長,銀行業者未來業務的發展,網際網路的銀行服務已是不可或缺的一環,網路銀行服務使顧客得以獲得更多樣化的選擇、豐富的金融資訊、快速而方便的交易與時間的節省。本研究係透過對台灣高科技廠商之財務人員進行調查,目的在探討影響企業財務人員使用網路銀行之相關因素,並根據研究結果對銀行業者提出建議。 本研究針對網路銀行的特性建立研究架構,並發展問卷調查作分析整理,從「環境特性」、「組織特性」、「財務主管特性」、「網路銀行特性」等四個構面,探討影響台灣高科技廠商使用網路銀行之相關因素,針對台灣地區前1000大企業中之高科技廠商的財務主管進行問卷調查,回收之有效問卷共86份,樣本有效回收率為25.07%,利用統計分析對有效回收樣本資料進行假說驗證,研究結果如下: 1、「組織規模」、「多元服務」和「安全可靠」等因素是影響企業使用網路銀行的主要因素。 2、不同的產業對網路銀行特性的認知沒有差異。 3、已採用網路銀行服務之企業對網路銀行之「實際應用」與「重視程度」有顯著的差異。 4、已採用與未採用之企業對網路銀行服務項目的重視程度沒有顯著的差異。 5、已採用網路銀行的企業對服務項目的應用程度有顯著的差異。 6、已採用網路銀行的企業對服務項目的重視程度有顯著的差異 7、未採用網路銀行的企業對服務項目的重視程度有顯著的差異。 根據分析結果,本研究提供若干有意義的建議,如:銀行業者應強化網路安全控管,並致力於克服客戶使用線上服務的心理因素,且應提供更快速多元的資訊服務,此外,建議銀行業者可先選擇規模大的企業進行輔導與推廣,以為其本身創造更大的獲利空間。
Due to the deregulation in the banking industry and the popularity for internet users, the internet banking service has become one of the most important parts for the development of the banks. This research attempts to investigate the factors that affect the high-tech enterprises in Taiwan to use the internet banking service. Factors are selected from four dimensions: characteristics of the environment, organization, chief financial officer and Internet banking. Questionnaires were mailed to the heads of financial divisions in high-technology enterprises that are the top one thousand businesses in Taiwan. After analyzing 86 useful samples with T Test and ANOVA, the study finds: (1) Company size, multiple services, safety and reliability are the major factors that affect the enterprises to use Internet Banking. (2) Different industries have no difference for the character of Internet Banking. (3) Adopters have no significant difference on their application and view of the Internet Banking services. (4) The adopter and non-adopter have no significant difference on their view of the Internet Banking services. Based on the results, the study suggests that the bankers need to intensify safety control and management in the Internet, and to strive to overcome the customers’ psychology factors when they adopt online services. Moreover, bankers should provide more quickly and multiple information services. Finally, in order to make greater profit, bankers should focus on the larger companies first.
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