英文摘要 |
Although previous TAM-related studies explored users’ intentions and behaviors for using the virtual market, the substitution effect between the physical market and the virtual market was not considered. A higher frequency of using the virtual market usually means a lower frequency of using the physical market for users. Under the premise that these two markets have certain substitution effects, physical market-related factors, such as relationship inertia and satisfaction with the physical market, may have effects on the behavior of those using the virtual market. The primary goal of this study is to explore the factors that affect the attitude and intension towards switch from physical to visual market in the context of online banking. In total, 700 questionnaires were sent out and 445 effective questionnaires were returned with effective recovery rate of 63.57%.The results shows that first, switch benefit and switch cost have significant effects on attitude towards switch. Also, attitude towards switch has a positive effect on behavior intension towards switch. Finally, users’ inertia and satisfaction to physical bank moderate the effect of attitude towards switch and behavior intension towards switch. |