{"title":"中国商业银行客户使用金融科技服务意愿的决定因素","authors":"Xiaoxiao Liu, K. Chau, Xiaoyun Liu, Fei Huang","doi":"10.1080/1051712X.2023.2248970","DOIUrl":null,"url":null,"abstract":"ABSTRACT The development of information technology has revolutionized the financial services offered by commercial banks. A growing number of banks have adopted Fintech services in the financial business to compete with other financial institutions and acquire a larger market share. However, whether customers will accept the new technological products remains subject to debate. This study aimed to analyze the impact mechanism of the intention to use Fintech-based mobile banking. Data were collected from 481 respondents across different regions in China, and structural equation modeling was used to verify the collected sample data. The results showed that system quality, service quality, and information quality of Fintech-based mobile banking positively affected user satisfaction. User satisfaction and bank image had a positive impact on the intention to use Fintech-based mobile banking. In addition, users’ perceived risks associated with the platform had a negative impact on user satisfaction and intention to use. Therefore, commercial banks in China should strengthen publicity, constantly update the effective system, provide stress-free personalized service quality, and pay attention to corporate brand image.","PeriodicalId":46235,"journal":{"name":"Journal of Business-To-Business Marketing","volume":"30 1","pages":"257 - 276"},"PeriodicalIF":2.0000,"publicationDate":"2023-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"The Determinants of Customer Intentions to Use Fintech Services in a Commercial Chinese Bank\",\"authors\":\"Xiaoxiao Liu, K. Chau, Xiaoyun Liu, Fei Huang\",\"doi\":\"10.1080/1051712X.2023.2248970\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"ABSTRACT The development of information technology has revolutionized the financial services offered by commercial banks. A growing number of banks have adopted Fintech services in the financial business to compete with other financial institutions and acquire a larger market share. However, whether customers will accept the new technological products remains subject to debate. This study aimed to analyze the impact mechanism of the intention to use Fintech-based mobile banking. Data were collected from 481 respondents across different regions in China, and structural equation modeling was used to verify the collected sample data. The results showed that system quality, service quality, and information quality of Fintech-based mobile banking positively affected user satisfaction. User satisfaction and bank image had a positive impact on the intention to use Fintech-based mobile banking. In addition, users’ perceived risks associated with the platform had a negative impact on user satisfaction and intention to use. Therefore, commercial banks in China should strengthen publicity, constantly update the effective system, provide stress-free personalized service quality, and pay attention to corporate brand image.\",\"PeriodicalId\":46235,\"journal\":{\"name\":\"Journal of Business-To-Business Marketing\",\"volume\":\"30 1\",\"pages\":\"257 - 276\"},\"PeriodicalIF\":2.0000,\"publicationDate\":\"2023-07-03\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Business-To-Business Marketing\",\"FirstCategoryId\":\"91\",\"ListUrlMain\":\"https://doi.org/10.1080/1051712X.2023.2248970\",\"RegionNum\":4,\"RegionCategory\":\"管理学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Business-To-Business Marketing","FirstCategoryId":"91","ListUrlMain":"https://doi.org/10.1080/1051712X.2023.2248970","RegionNum":4,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}
The Determinants of Customer Intentions to Use Fintech Services in a Commercial Chinese Bank
ABSTRACT The development of information technology has revolutionized the financial services offered by commercial banks. A growing number of banks have adopted Fintech services in the financial business to compete with other financial institutions and acquire a larger market share. However, whether customers will accept the new technological products remains subject to debate. This study aimed to analyze the impact mechanism of the intention to use Fintech-based mobile banking. Data were collected from 481 respondents across different regions in China, and structural equation modeling was used to verify the collected sample data. The results showed that system quality, service quality, and information quality of Fintech-based mobile banking positively affected user satisfaction. User satisfaction and bank image had a positive impact on the intention to use Fintech-based mobile banking. In addition, users’ perceived risks associated with the platform had a negative impact on user satisfaction and intention to use. Therefore, commercial banks in China should strengthen publicity, constantly update the effective system, provide stress-free personalized service quality, and pay attention to corporate brand image.
期刊介绍:
The Journal of Business-to-Business Marketing® encourages diversity in approaches to business marketing theory development, research methods, and managerial problem solving. An editorial board comprised of outstanding, internationally recognized scholars and practitioners ensures that the journal maintains impeccable standards of relevance and rigorous scholarship. The Journal of Business-to-Business Marketing features: •basic and applied research that reflects current business marketing theory, methodology, and practice •articles from leading researchers covering topics of mutual interest for the business and academic communities