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Study on the Chinese Customers'Adoption Intention about Self-service Banking

机译：中国客户对自助银行的意图研究

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摘要

Self-service has been widely used in banking industry,but it has been seldom studied in academic field.In this paper,we used empirical research method to study self service banking from two angles: self-service features and demographic characteristics.The paper is meaningful to improve customer self-service technology,to reduce transaction costs and to gain competitive advantage.The results showed that: the superiority of selfservice,complexity and coordination are relevant to client using adoption willingness; demographics characteristics are not relevant to client using adoption willingness.We divided customers into three groups according to their attitude to superiority,complexity and coordination of self service.Finally,we give some countermeasures to the bank based on above empirical results.
机译：自助服务已广泛用于银行业，但在学术领域很少研究。本文采用了实证研究方法，从两个角度研究自助服务银行：自助特征和人口统计学特征。本文是有意义地提高客户自助服务技术，减少交易成本并获得竞争优势。结果表明：自主服务器，复杂性和协调的优势与客户使用采用意愿相关;利用采用意愿，人口统计特征与客户无关。我们根据自己的优越，复杂性和自我服务协调的态度将客户分为三组。最后，我们基于上述实证结果向银行提供一些对策。

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