Evaluative criteria and user acceptance of internet-based financial transaction processing systems

摘要: The dissertation extended the Technology Acceptance Model2 (TAM2, Venkatesh and Davis, 2000) to include a measure of negative utility, perceived risk service usage. It applied TAM2 e-payments research context for first time. is an evaluation model based on previous attitude-intentions literature, tuned information systems research. has been successfully utilized positive gain in utility possible from adoption system. Valence models (Lewin, 1944; Fishbein 1967, Peter Tarpey, 1976) base evaluations both desirable benefits (with valence) undesirable costs valence). These propose that if outweigh resulting net valence purchase will tend be made. The provided initial evidence validity including (a potential cost system adoption) into TAM2. Several operationalizations construct product category inherent were tested within TAM nomological net. Results indicated inhibited consumers' intentions as well perceptions usability, usefulness e-billpay software service. Perceived usage also proved useful when used categorical variable segment sample. Different antecedents inhibitors intention found low high-risk perceivers. Linear regression, structural modeling, ANOVA results investigate questions fit model.