Advanced Technological Factors Affecting Digital Banking Usage Intention

Handbook of Research on Green, Circular, and Digital Economies as Tools for Recovery and Sustainability Pub Date : 1900-01-01 DOI:10.4018/978-1-7998-9664-7.ch003

C. Chen, Omkar Dastane

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Abstract

This research-based chapter investigates impact of various innovation technology factors on digital banking customers' usage intention. The selected factors are online banking, mobile payment, artificial intelligence-based robot advisors, and cloud-based services. The study develops conceptual model against theoretical background of the innovation diffusion theory, technology acceptance model, and unified theory of acceptance and use of technology. Empirical data was collected through online survey using a self-administered questionnaire. Quantitative research method was employed with a total sample size of 302 respondents using snowball sampling technique. Normality and reliability tests were performed followed by confirmatory factory analysis, validity assessment, and structural equation modelling using AMOS 24. The findings confirm positive significant impact of artificial intelligence-based robot advisor and cloud-based services on usage intention. Theoretical contribution and managerial implications are then discussed along with limitations of the current study and future research avenues.

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影响数字银行使用意向的先进技术因素

本章以研究为基础，研究了各种创新技术因素对数字银行客户使用意愿的影响。被选择的因素包括网上银行、移动支付、基于人工智能的机器人顾问和基于云的服务。本研究在创新扩散理论、技术接受模型和技术接受与使用统一理论的理论背景下建立了概念模型。实证数据通过在线调查收集，采用自填问卷。采用定量研究方法，采用滚雪球抽样技术，总样本量为302人。进行正态性和信度检验，然后进行验证性工厂分析、效度评估和使用AMOS 24进行结构方程建模。研究结果证实了基于人工智能的机器人顾问和基于云的服务对使用意愿的积极显著影响。然后讨论了理论贡献和管理意义，以及当前研究和未来研究途径的局限性。

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Handbook of Research on Green, Circular, and Digital Economies as Tools for Recovery and Sustainability

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