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Subjective Norms and Customer Adoption of Mobile Banking: Taiwan and Vietnam

机译:手机银行的主观规范和客户采用:台湾和越南

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Many Taiwan companies have plants in Vietnam. Vietnam is an important economic partner of Taiwan. To service customers, banks must have services in both Taiwan and Vietnam. Restated, banks must find ways to effectively promote mobile banking services to Taiwan and Vietnam customers. However, the adoption of mobile banking has increased gradually in Taiwan, but banks in Vietnam have difficulties to apply services actually. As the security of phone banking is the customer's primary concern, customers may accept unfamiliar technology via subjective norm. To understand how subjective norm affects customer acceptance, this study examines mobile-banking adoption in Taiwan and Vietnam in terms of the effects of subjective norm, performance expectancy, effort expectancy, facilitating conditions, and attitude toward and intention to adoption mobile banking services. Models were compared using data collected from 440 Vietnamese and 372 Taiwanese respondents. Analytical results reveal that subjective norm and facilitating conditions explain differences in adoption between Taiwan and Vietnam. Subjective norm affects positively effort expectancy, performance expectancy, and facilitating conditions in Taiwan and Vietnam. Subjective norm also positively affects attitude toward and intention to adopt mobile banking services in Vietnam, but not in Taiwan. Facilitating conditions affect attitude positively, but not affect intention positively in Taiwan. Facilitating conditions positively affect attitude toward and intention to use mobile banking services positively in Vietnam. Finally, managerial implications for banks, based on findings, are given.
机译:许多台湾公司在越南都有工厂。越南是台湾的重要经济伙伴。为了服务客户,银行必须在台湾和越南都提供服务。重述后,银行必须找到有效向台湾和越南客户推广移动银行服务的方法。但是,在台湾,移动银行的采用逐渐增加,但是越南的银行实际上很难应用服务。由于电话银行的安全性是客户的首要考虑因素,因此客户可能会通过主观规范接受不熟悉的技术。为了了解主观规范如何影响客户的接受程度,本研究从主观规范,效果预期,预期工作量,便利条件以及对采用移动银行服务的态度和意图方面对台湾和越南的移动银行采用情况进行了研究。使用从440名越南和372名台湾受访者那里收集的数据对模型进行了比较。分析结果表明,主观规范和便利条件可以解释台湾和越南在收养方面的差异。主观规范会积极影响台湾和越南的预期工作量,预期绩效以及促进条件。主观规范也正面影响了在越南而不是在台湾采用移动银行服务的态度和意愿。在台湾,调和条件会积极影响态度,但不会积极影响意向。便利的条件对在越南积极使用移动银行服务的态度和意图产生积极影响。最后,根据研究结果对银行的管理意义进行了阐述。

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