Factors influencing user acceptance of Online Banking

The growth of Internet business has increasingly received concern in recent years. According to previous research results, multiple factors may affect user acceptance of Online Banking, and some of them are pretty much more important. Previous researches on this issue present several models and they can explain much of variance that is related to user acceptance of Online Banking. We proposed our research model and hypotheses, and used empirical method to test these hypotheses. We applied survey method and designed questionnaires to collect data. The results of our study strongly support these hypotheses. Social influence and facilitating conditions are testified to be really significant determinants. Both contributions for theory and implications for practice are discussed.