隨著網際網路的發展，財政部於民國88年05月25日宣布開放『網路銀行』業務申辦，國內銀行業者紛紛成立網路銀行，提供消費者更便捷的銀行服務，銀行業的資訊服務活動空間也從以往的實體空間中進而延伸到數位的虛擬空間，所接觸的對象由以往的內部顧客而擴展到外部顧客，資訊服務的服務品質更變的日益重要。 表面上看來，網路銀行比實體銀行似乎擁有更高的便利性和實用性，但加入風險與服務品質的考量後，是否能讓消費者願意使用網路銀行？不同消費者的涉入程度是否會影響其對於網路銀行的使用意願？本研究以台灣地區網路銀行消費者為對象，試圖探討使用者涉入與網路銀行使用意願兩者間相互的關係。 本研究以問卷的方式來收集資料，經資料分析獲得以下結論： 一、網路銀行的「使用者涉入程度」對於其「使用意願」的確是有著顯著正向的影響。二、「無時間、地點的限制」和「無須親赴銀行」為最能吸引受訪者使用網路銀行的因素。三、接觸網路銀行時間長短將會顯著的影響其網路銀行使用意願。四、「使用者涉入對網路銀行使用意願之觀念性模型」中各個變數之間的相互關係如下： 1、使用者涉入程度受到知覺風險的影響呈現顯著負相關。 2、使用者涉入程度與服務品質呈現顯著的正相關。 3、使用意願與服務品質的影響呈現顯著正相關。 4、使用意願受到知覺風險的影響呈現顯著負相關。 As the development of Internet, the Ministry of Finance of ROC announced on May 25, 1999 that the Internet Banking business is open for application. Many domestic banks ever since have established Internet Banks to provide consumers more convenient and efficient banking services. The activity space of information service of the banking industry has expanded from physical space to digital virtual space. Persons who are contacted also extend from internal customers to external customers. As a result, the service quality of information services has become more important. To view superficially, Internet Bank seems to have more convenience and practicability than physical bank. But after considering risk and service quality, is it possible to make consumers to accept Internet Bank? Will the user involvement of different consumers affect user’s acceptance of Internet Bank? This study is based on surveys conducted on consumers of Internet Banks in Taiwan, with intent to explore the relationship between user involvement and user’s acceptance of Internet Bank. This study is conducted through questionnaires to collect information. The analyzed data gives the following conclusions: 1. User involvement does have significant and positive impact on user’s acceptance of Internet bank.2. “No limitation of time and place” and “No need to go to bank in person” are the most attractive factors for interviewees to use Internet Bank.3. The time period of using Internet Bank will significantly affect consumer’s willingness to use Internet Bank.4. The relationships between each variables in “The Conceptual Model of Influence from User Involvement to User’s Acceptance of Internet Bank” are as follows: a. Perceived Risk is found to cast great negative effect on User involvement. b. User involvement and service quality has great positive effect on each other. c. User’s acceptance and service quality has great positive effect on each other. d. Perceived Risk is found to cast great negative effect on User’s acceptance.
