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首页> 外文期刊>Computers in Human Behavior >Integrating TTF and UTAUT to explain mobile banking user adoption
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Integrating TTF and UTAUT to explain mobile banking user adoption

机译：整合TTF和UTAUT来解释移动银行用户的采用

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摘要

Due to its advantages such as ubiquity and immediacy, mobile banking has attracted traditional banks' interests. However, a survey report showed that user adoption of mobile banking was much lower than that of other mobile services. The extant research focuses on explaining user adoption from technology perceptions such as perceived usefulness, perceived ease of use, interactivity, and relative advantage. However, users' adoption is determined not only by their perception of the technology but also by the task technology fit. In other words, even though a technology may be perceived as being advanced, if it does not fit users' task requirements, they may not adopt it. By integrating the task technology fit (TTF) model and the unified theory of acceptance and usage of technology (UTAUT), this research proposes a mobile banking user adoption model. We found that performance expectancy, task technology fit, social influence, and facilitating conditions have significant effects on user adoption. In addition, we also found a significant effect of task technology fit on performance expectancy.
机译：由于移动银行具有无处不在和即时的优势，因此吸引了传统银行的兴趣。但是，一份调查报告显示，移动银行的用户采用率远远低于其他移动服务。现有的研究重点是从技术感知（例如感知的有用性，感知的易用性，交互性和相对优势）来解释用户的采用情况。但是，用户的采用程度不仅取决于他们对技术的看法，还取决于适合的任务技术。换句话说，即使一项技术可能被认为是先进的，但如果它不符合用户的任务要求，他们也可能不会采用它。通过整合任务技术适合度（TTF）模型和技术接受与使用统一理论（UTAUT），本研究提出了一种移动银行用户采用模型。我们发现性能预期，任务技术适合性，社会影响力和便利条件对用户采用率有重大影响。此外，我们还发现任务技术适合于预期性能的显着影响。

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