采用基于技术的自助银行系统的决定因素——来自斯里兰卡的证据

Manel D.P.K., Dias M.A.K.
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摘要

银行业是斯里兰卡经济的重要产业。随着科技的发展,自助银行的概念已经在岛上引入,现在它已经成为客户和银行机构不可分割的一部分。因此,本研究的重点是斯里兰卡基于技术的自助银行系统的决定因素。这项研究的主要目的是确定银行机构的有用性、易用性、风险和贡献是否可以成为斯里兰卡采用自助银行系统的决定因素。本研究试图对Davis(1989)提出的技术接受模型进行延伸。定量数据采用结构化问卷收集,样本量为164人。采用整群抽样。采用单因素、双因素和多因素分析方法对数据进行分析。研究结果显示,自助银行的采用程度中等。此外,感知有用性和感知易用性与自助银行业务的采用之间存在显著的强正相关,而银行机构的风险和贡献与自助银行业务的采用之间存在弱正相关。一方面,多元回归分析认识到,感知有用性和感知易用性是采用自助银行的重要决定因素。另一方面,银行机构的风险和贡献并不能决定采用自助银行业务的原因。此外,有用性比易用性更能决定客户采用程度的增量。根据研究结果,可以建议银行当局建立和维护自助银行技术,以增加对客户的有用性。关键词:自助银行,自助银行,技术接受模型
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DETERMINANTS OF THE ADOPTION OF TECHNOLOGY BASED SELF-BANKING SYSTEM - EVIDENCE FROM SRI LANKA
Banking industry is a crucial industry in the Sri Lankan economy. With the development of technology, the self-banking concept has been introduced in the island and it has now become an integral part to both customers as well as the banking institutions. Therefore, this study focused on the determinants of the technology based self-banking system in Sri Lanka. The main objective of the study was to identify whether usefulness, ease of use, risk and contribution of banking institutions can be a determinant on the adoption of the self-banking system in Sri Lanka. This research tries to make an extension to the Technology Acceptance Model introduced by Davis, (1989). The quantitative data were gathered using a structured questionnaire and the sample size was 164. Cluster sampling was used. Univariate, bivariate and multivariate analytical methods were applied to analyze the data. The findings of the study revealed that there was a moderately high level of self-banking adoption. Furthermore, there is a significantly strong positive relationship between perceived usefulness and perceived ease of use with the adoption of self-banking, while the risk and contribution of banking institutions imply a weak positive relationship with the adoption of self-banking. On one hand, the Multiple regression analysis recognized that perceived usefulness and perceived ease of use are significant determinants for the adoption of self-banking. On the other hand, the risk and contribution of banking institutions do not determine cause of adoption of self-banking. Moreover, usefulness determines the increment in the adoption level of customers more than the ease of use. According to the results of the study, it can be suggested to the banking authorities to build and maintain self-banking technologies in a way that they would increase the usefulness to the customers.   Keywords: Self-banking, Self-service banking, Technology Acceptance Model
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