A Study on the Internet Banking Behavior of Enterprises and Their Influencing Factors

Abstract

The purposes of this paper are to study the behavior of enterprises’ internet banking (EIB) and their influencing factors by using literature analysis and questionnaire survey. The results show that EIB average frequency of Chinese interviewees is 4.0 times per month and their monthly amount of EIB is RMB 333,000. Their perceived usefulness, risk and platform convenience are the significant influencing factors of EIB, the effects of their perceived usefulness and perceived platform convenience are positive and the other is negative. The individual variables of respondents, including their gender, age and identity, mostly have significant impacts on the EIB and their influencing factors.