Understanding internet banking adoption and use behavior : a Hong Kong perspective

Document Type

Book chapter

Source Publication

Advanced topics in global information management

Publication Date


First Page


Last Page



IGI Global


This study investigates adoption/use behavior within the context of Hong Kong Internet Banking services. A research framework based on the extended Technology Acceptance Model (TAM2) and Social Cognitive Theory is developed to identify factors that would influence the adoption and continue use of Internet Banking. Structural Equation Modeling (SEM) is employed to examine the entire pattern of inter-correlations among the eight proposed constructs, and to test related propositions empirically. A survey involving a total of 499 university students is conducted and confirmatory factor analysis used to determine the measurement efficacies. The results reveal that both subjective norm and computer self-efficacy indirectly play significant roles in influencing the intention to adopt Internet Banking. Perceived ease of use has a significant indirect effect on intention to adopt/use through perceived usefulness, while its direct effect on intention to adopt is not significant.



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Copyright © 2006, Idea Group Inc. Access to external full text or publisher's version may require subscription.

Additional Information

ISBN of the source publication: 9781591409236

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Recommended Citation

Chan, S.-c., & Lu, M.-t. (2006). Understanding internet banking adoption and use behavior: A Hong Kong perspective. In M. G. Hunter & F. B. Tan (Eds.), Advanced topics in global information management (pp. 308-330). Hershey: IGI Global. doi: 10.4018/978-1-59140-923-6.ch014