Adoption of On-line Banking Service Considering the Moderate Effects of On-line Banking Service Type

Abstract

The Purpose of this study is to investigate the factors affecting the adoption of on-line banking service. Based on prior studies, this study identified usefulness, ease of use, innovativeness, social influence, quality, cost as affecting factors of on-line banking service and considered moderating effects of service types between Internet banking service and mobile banking service. Result shows that usefulness, ease of use, innovativeness, social influence, quality, and cost are all significantly related to the adoption of on-line banking service. Social influence and cost were found to have different impact on between Internet banking service and mobile banking service.