Determinants of user adoption of web ATM: An integrated model of TCT and IDT

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

Research output: Contribution to journalArticle

16 Citations (Scopus)

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 explores the factors influencing the usage behaviour of Web ATM by integrating the innovation diffusion theory and transaction cost theory. Data collected from 285 respondents in Taiwan are tested against the research model using discriminant analysis. The results indicate that perceived relative advantage, perceived complexity, perceived compatibility, perceived uncertainty, and perceived transaction frequency are salient determinants of user adoption of Web ATM. The findings of this study provide several important implications for Web ATM adoption research and practice.

Original languageEnglish
Pages (from-to)1505-1525
Number of pages21
JournalService Industries Journal
Volume32
Issue number9
DOIs
Publication statusPublished - 2012 Jul 1

Fingerprint

Automatic teller machines
Internet
Discriminant analysis
World Wide Web
Integrated model
Innovation
Asynchronous transfer mode
Internet banking
Costs

All Science Journal Classification (ASJC) codes

  • Strategy and Management
  • Management of Technology and Innovation

Cite this

Wang, Yi-Shun ; Wu, Shun Cheng ; Lin, Hsin Hui ; Wang, Yu Min ; He, Ting Rong. / Determinants of user adoption of web ATM : An integrated model of TCT and IDT. In: Service Industries Journal. 2012 ; Vol. 32, No. 9. pp. 1505-1525.
@article{95135e766f224b799ef4e83fe7a07f15,
title = "Determinants of user adoption of web ATM: An integrated model of TCT and IDT",
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 explores the factors influencing the usage behaviour of Web ATM by integrating the innovation diffusion theory and transaction cost theory. Data collected from 285 respondents in Taiwan are tested against the research model using discriminant analysis. The results indicate that perceived relative advantage, perceived complexity, perceived compatibility, perceived uncertainty, and perceived transaction frequency are salient determinants of user adoption of Web ATM. The findings of this study provide several important implications for Web ATM adoption research and practice.",
author = "Yi-Shun Wang and Wu, {Shun Cheng} and Lin, {Hsin Hui} and Wang, {Yu Min} and He, {Ting Rong}",
year = "2012",
month = "7",
day = "1",
doi = "10.1080/02642069.2010.531271",
language = "English",
volume = "32",
pages = "1505--1525",
journal = "Service Industries Journal",
issn = "0264-2069",
publisher = "Taylor and Francis Ltd.",
number = "9",

}

Determinants of user adoption of web ATM : An integrated model of TCT and IDT. / Wang, Yi-Shun; Wu, Shun Cheng; Lin, Hsin Hui; Wang, Yu Min; He, Ting Rong.

In: Service Industries Journal, Vol. 32, No. 9, 01.07.2012, p. 1505-1525.

Research output: Contribution to journalArticle

TY - JOUR

T1 - Determinants of user adoption of web ATM

T2 - An integrated model of TCT and IDT

AU - Wang, Yi-Shun

AU - Wu, Shun Cheng

AU - Lin, Hsin Hui

AU - Wang, Yu Min

AU - He, Ting Rong

PY - 2012/7/1

Y1 - 2012/7/1

N2 - 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 explores the factors influencing the usage behaviour of Web ATM by integrating the innovation diffusion theory and transaction cost theory. Data collected from 285 respondents in Taiwan are tested against the research model using discriminant analysis. The results indicate that perceived relative advantage, perceived complexity, perceived compatibility, perceived uncertainty, and perceived transaction frequency are salient determinants of user adoption of Web ATM. The findings of this study provide several important implications for Web ATM adoption research and practice.

AB - 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 explores the factors influencing the usage behaviour of Web ATM by integrating the innovation diffusion theory and transaction cost theory. Data collected from 285 respondents in Taiwan are tested against the research model using discriminant analysis. The results indicate that perceived relative advantage, perceived complexity, perceived compatibility, perceived uncertainty, and perceived transaction frequency are salient determinants of user adoption of Web ATM. The findings of this study provide several important implications for Web ATM adoption research and practice.

UR - http://www.scopus.com/inward/record.url?scp=84862255594&partnerID=8YFLogxK

UR - http://www.scopus.com/inward/citedby.url?scp=84862255594&partnerID=8YFLogxK

U2 - 10.1080/02642069.2010.531271

DO - 10.1080/02642069.2010.531271

M3 - Article

AN - SCOPUS:84862255594

VL - 32

SP - 1505

EP - 1525

JO - Service Industries Journal

JF - Service Industries Journal

SN - 0264-2069

IS - 9

ER -