A conceptual model of web atm adoption: An integrated perspective of the transaction cost theory and innovation diffusion theory

Yi-Shun Wang, Shun Cheng Wu, Hsin Hui Lin, Yu Min Wang, Ting Rong He

Research output: Chapter in Book/Report/Conference proceedingConference contribution

Abstract

With the initial success of the traditional internet banking, several banks in Taiwan have been transferring their attention to implementing Web Automatic Teller Machines (Web ATMs). Due to the multi-channel nature of online banking services and the difference in equipment requirement between the traditional Internet banking and Web ATM, users' adoption of traditional internet banking does not promise their adoption of Web ATM. Thus, this study proposes a conceptual model for exploring the factors influencing the usage behavior of Web ATM by integrating the innovation diffusion theory (IDT) and transaction cost theory (TCT). The proposed model suggests that perceived relative advantage, perceived complexity, perceived compatibility, perceived asset specificity, perceived uncertainty, and perceived transaction frequency are potential determinants of user adoption of Web ATM. The proposed model can provide some important implications for Web ATM adoption research and practice.

Original languageEnglish
Title of host publicationProceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011
Pages75-82
Number of pages8
Publication statusPublished - 2011 Dec 1
EventIADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011 - Rome, Italy
Duration: 2011 Jul 212011 Jul 23

Publication series

NameProceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011

Other

OtherIADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011
CountryItaly
CityRome
Period11-07-2111-07-23

Fingerprint

Automatic teller machines
Innovation
Costs
Internet

All Science Journal Classification (ASJC) codes

  • Computer Science (miscellaneous)
  • Information Systems

Cite this

Wang, Y-S., Wu, S. C., Lin, H. H., Wang, Y. M., & He, T. R. (2011). A conceptual model of web atm adoption: An integrated perspective of the transaction cost theory and innovation diffusion theory. In Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011 (pp. 75-82). (Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011).
Wang, Yi-Shun ; Wu, Shun Cheng ; Lin, Hsin Hui ; Wang, Yu Min ; He, Ting Rong. / A conceptual model of web atm adoption : An integrated perspective of the transaction cost theory and innovation diffusion theory. Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011. 2011. pp. 75-82 (Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011).
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abstract = "With the initial success of the traditional internet banking, several banks in Taiwan have been transferring their attention to implementing Web Automatic Teller Machines (Web ATMs). Due to the multi-channel nature of online banking services and the difference in equipment requirement between the traditional Internet banking and Web ATM, users' adoption of traditional internet banking does not promise their adoption of Web ATM. Thus, this study proposes a conceptual model for exploring the factors influencing the usage behavior of Web ATM by integrating the innovation diffusion theory (IDT) and transaction cost theory (TCT). The proposed model suggests that perceived relative advantage, perceived complexity, perceived compatibility, perceived asset specificity, perceived uncertainty, and perceived transaction frequency are potential determinants of user adoption of Web ATM. The proposed model can provide some important implications for Web ATM adoption research and practice.",
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Wang, Y-S, Wu, SC, Lin, HH, Wang, YM & He, TR 2011, A conceptual model of web atm adoption: An integrated perspective of the transaction cost theory and innovation diffusion theory. in Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011. Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011, pp. 75-82, IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011, Rome, Italy, 11-07-21.

A conceptual model of web atm adoption : An integrated perspective of the transaction cost theory and innovation diffusion theory. / Wang, Yi-Shun; Wu, Shun Cheng; Lin, Hsin Hui; Wang, Yu Min; He, Ting Rong.

Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011. 2011. p. 75-82 (Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011).

Research output: Chapter in Book/Report/Conference proceedingConference contribution

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Wang Y-S, Wu SC, Lin HH, Wang YM, He TR. A conceptual model of web atm adoption: An integrated perspective of the transaction cost theory and innovation diffusion theory. In Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011. 2011. p. 75-82. (Proceedings of the IADIS International Conference e-Commerce 2011, Part of the IADIS Multi Conference on Computer Science and Information Systems 2011, MCCSIS 2011).