The determinants of the adoption of Internet Banking by Chinese consumers

With the development of computer technology and the ubiquitousness of the Internet, Internet banking (IB) has become more popular among Chinese consumers. However, due to constraints on its adoption and the size of the Chinese market, there is still scope for significant IB adoption focusing on Chinese IB market conditions and the features of consumers, this paper analyzes the determinants of consumers´ IB adoption based on the theory of planned behavior (TPB). It employs structural equation modelling to explore the factors that influence IB use, from attitude to IB Adoption (AIBA), subjective norms (SN) and perceived adoption behavior control (PABC).