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Erschienen in: Information Systems and e-Business Management 1/2019

12.05.2018 | Original Article

Continuous usage intention of Internet banking: a commitment-trust model

verfasst von: Yang Yuan, Fujun Lai, Zhaofang Chu

Erschienen in: Information Systems and e-Business Management | Ausgabe 1/2019

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Abstract

With the rapid explosion of the online technology, Internet Banking (IB) has been prevalent in recent years and attracts much research attention. Although intensive studies have investigated the determinants of users’ initial acceptance of IB service, much less research has further explored the continuous usage of IB service. This study focuses on the continuous IB service usage intention by examining the role of users’ psychological cognition (e.g., trust and commitment) in improving their continuous usage intention of IB service. Integrating the commitment-trust theory and the unified theory of acceptance and use of technology, we argue that besides contributive effects to continuous usage intention, psychological cognition mediates the influences of usage experiences (e.g., perceived service value, quality of alternatives, and anxiety) on continuous usage intention. This model was tested using survey data from 173 non-traditional college students who were all full-time employees with several years of working experience. The results confirm the contributive and mediating effects of trust and commitment on continuous IB service usage intention. The study contributes to the literature by highlighting the role of trust and commitment in predicting IB service continuous usage, and the findings provide useful implications for bank management in retaining online customers.

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Metadaten
Titel
Continuous usage intention of Internet banking: a commitment-trust model
verfasst von
Yang Yuan
Fujun Lai
Zhaofang Chu
Publikationsdatum
12.05.2018
Verlag
Springer Berlin Heidelberg
Erschienen in
Information Systems and e-Business Management / Ausgabe 1/2019
Print ISSN: 1617-9846
Elektronische ISSN: 1617-9854
DOI
https://doi.org/10.1007/s10257-018-0372-4

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