网上银行的采用：比较发达国家和发展中国家[外文翻译].docVIP

外文题目： Ineternet Banking Adoption: Comparing Developed And Dveloping Countries 出 处： Journal of Computer Information Systerms 作 者： Y.Y.YUEN, PAUL H.P.YEOW,NENA LIM 原 文： 1. INTRO DUCTION Adoption of Internet banking services (IBS) in developed(e.g., the United States (U.S.) and Australia) and developing (e.g.,Malaysia) countries is growing. IBS was first available in the U.S.in 1994 [9], in Australia in 1999 [3], and in Malaysia in 2000 [4].As of the year 2007, 16.6% of the 307 million U.S. population[9], 42% of the 21 million Australia population [3], and 16% ofthe 25 million Malaysia population [4] were IBS users.Even though Internet banking is regarded as one of the mostpowerful delivery channels that allows banks to expand theircustomer contact through increased geographical reach andlower cost delivery channels, there is no point for banks to investin IBS if the services are neither wanted nor accepted by theircustomers [7, 22]. Therefore, it is crucial for banks to understandthe important factors that lead to the adoption of IBS. This wouldhelp banks to maximize return on their investments and maintaina competitive advantage [11, 15, 31]. In addition, IBS is a globalservice offered to any consumer from any country. Therefore,banks worldwide must understand the cultural differences ofdeveloped and developing countries to be able to customize theirIBS to meet customer needs in various countries.Despite the importance of understanding IBS adoption fromthe context of cultural differences, this issue was not addressed inprevious studies. Most studies focused narrowly on the positiveaspects of IBS. For example, Eriksson et al. [15] and Polatogluand Ekin [31] focused on the effects of trust, relative advantage,and trialability on attitude toward using IBS. Other studies mainly concentrated on the influence of perceived security on IBS acceptance [11, 33]. Literature such as Gerrard and Cunningham[17] an