تاثیر عوامل فردی و سیستمی بر اهمال کاری افراد در پذیرش اینترنت بانک

نوع مقاله: مقاله پژوهشی

نویسندگان

1 دانشیار، گروه مدیریت دولتی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبائی، تهران.

2 استادیار، گروه مدیریت دولتی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبائی، تهران.

3 دانشجوی دکتری مدیریت دولتی، دانشکده مدیریت و حسابداری، دانشگاه علامه طباطبائی.تهران

چکیده

هدف از نگارش این مقاله بررسی تعدیل‌کنندگی متغیرهایی چون خود اثربخشی، وجهه ادراک‌شده، هنجارهای ذهنی و ابتکار فردی بر پذیرش بانکداری اینترنتی بانک تجارت است. پیرو سند چشم‌انداز 20 ساله، بررسی موانع و راهکارهای توسعه فناوری اطلاعات، به‌ویژه بانکداری اینترنتی در کشور ضروری می‌نماید. در این پژوهش از پرسشنامه به‌عنوان ابزار گردآوری داده‌ها از مشتریان شعب مناطق غرب-مرکز بانک تجارت تهران استفاده شد و با روش مدل معادلات ساختاری نسبت به سنجش الگوی تحقیق اقدام گردید؛ هم‌چنین با فرمول کوهن  به کمک نرم‌افزار" اسمارت پی ال اس" تعدیل‌کنندگی متغیرها به بوته آزمایش گذارده شد. نتایج تحقیق حاکی از آن است که «تطبیق‌پذیری سیستم» و «آگاهی دریافت شده» از مهم‌ترین موانع بانکداری اینترنتی است؛ درحالی‌که «مقاومت در برابر تغییر» و «سهولت استفاده» تأثیر معناداری بر قصد افراد در پذیرش بانکداری اینترنتی تجارت ندارد. البته متغیرهای «خود اثربخشی»، «وجهه ادراک‌شده»، «هنجارهای ذهنی» و «ابتکار فردی» رابطه بین قصد افراد و استفاده حقیقی آن‌ها را به‌صورت معناداری تعدیل می‌کند.

کلیدواژه‌ها


عنوان مقاله [English]

Personal and systemic factors affecting individuals’ procrastination on Internet banking adoption

نویسندگان [English]

  • Vajhollah Ghorbanizadeh 1
  • Habib Roudsaz 2
  • Hossein Mohammadi 3
1 Associate professor, Public Administration Department, Allameh Tabataba’i University, Tehran.
2  Associate professor, Public Administration Department, Allameh Tabataba’i University, Tehran.
3  Ph.D Student of Public Administration, Faculty of Management and Accounting, Allameh Tabataba’i University,Tehran.
چکیده [English]

 
 
While considering inhibitors, the purpose of this paper is to examine the moderating role of self-efficacy, perceived image, personal innovativeness, and subjective norm on Internet banking adoption in Tejarat bank of Iran as a public bank. Following IRAN’s 20-year outlook plan, putting IT’s inhibitors and facilitators into consideration come to be of high significance; especially in the scope of Internet banking. Based on the valid responses collected from a survey questionnaire out of Tejarat bank’s consumers of central-west district, structural equation modeling (SEM) technology was employed to examine the research model. The result indicated that perceived awareness and system compatibility offered by the bank are the main factors impeding users’ intention towards Internet banking adoption; while resistance to change indicated insignificant effect on users’ intention accompanied by perceived ease of use which showed no significant effect on users’ behavioral intention. At last, self-efficacy, perceived image, subjective norm, and personal innovativeness showed a meaningful significant effect on users’ adoption decision and moderated the relationship between users’ intention and their actual use.
 
 

کلیدواژه‌ها [English]

  • Internet banking
  • intention to use
  • self-efficacy
  • Perceived image
  • Subjective norm
  • Personal innovativenessvccc

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