Study on the diffusion of standardized online banking: Super-Internet-Bank system

Diverse online-bank systems and U shields lead certain cost and risks to users. People´s Bank of China designed the products of Super-Internet-Bank and tried to integrate the diverse online banking systems with unified standards among different banks. Based on Technology Acceptance Model and Theory of Diffusion, the Super-Internet-Bank Acceptance Model was set up. The empirical method was applied in the research. From the results, it was found that perceived usefulness, perceived ease of use and users´ innovativeness have significant positive influence to individual use of Super-Internet-Bank, while perceived risk does not have significant negative influence to Super-Internet-Bank.