Title: The inhibitory factors of implementing internet banks

Authors: Yu-Chung Hung, Yu-Hsin Lu

Addresses: Department of Accounting and Information Technology, National Chung Cheng University, No. 168, University Road, Min-Hsiung, Chia-yi 621, Taiwan. ' Department of Accounting and Information Technology, National Chung Cheng University, No. 168, University Road, Min-Hsiung, Chia-yi 621, Taiwan

Abstract: The purpose of this study is to explore the inhibitory factors that affect the implementation of Internet Banks (IBs) in Taiwan and provide suggestions for the banks that fail to implement internet banks. This study compiles the factors according to Rogers| Innovation Diffusion theory and the result of the literature review. Then, we collect data from the questionnaire survey and analyse the data by using Principle Component Analysis and the Structural Equation Modelling (SEM). The results indicate that the inhibitory factors that affect IBs| implementation can be divided into three aspects: internal organisation, external environment and innovative technology. The aspects above include 17 measurement variables.

Keywords: electronic finance; e-finance; innovation adoption; internet banks; inhibitory factors; structural equation modelling; SEM; online banking; e-banking; Taiwan.

DOI: 10.1504/IJEF.2008.021803

International Journal of Electronic Finance, 2008 Vol.2 No.4, pp.419 - 432

Published online: 04 Dec 2008 *

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