外文翻译--采纳网上银行的影响因素

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1、外文翻译--采纳网上银行的影响因素原文：StrategiconlinebankingadoptionJournalofBanking&Finance,Volume34,Issue7,July2010,Pages1650-1663AbstractInthispaperwestudythedeterminantsofbanksdecisionstoadoptatransactionalwebsitefortheircustomers.UsingapanelofcommercialbanksintheUnitedStatesfortheperiod2003-2006,wesho

2、wthatalthoughbank-specificcharacteristicsareimportantdeterminantsofbanksadoptiondecisions,competitionalsoplaysaprominentrole.Theextentofcompetitionisrelatedtothegeographicoverlapofbanksindifferentmarketsandtheirrelativemarketshareintermsofdeposits.Inparticular,banksadoptonlinebankingservicese

3、arlierinmarketswheretheircompetitorshavealreadyadoptedthistechnology.ThispaperisoneofthefirsttoconstructlocalbankingmarketsusingthegeographicmarketdefinitionsdelimitedbytheCASSIDIJELclassification:O31;G21;L10;C41Keywords:Durationmodels;Technologicaladoption;Onlinebanking;Competition1.Introduc

4、tionThearrivaloftheInternetnotonlyspurredthedevelopmentofnewindustriesbutitalsochangedthebusinessmodelofmanyothers,includingthebankingsectorintheUnitedStates.In1995,theSecurityFirstNetworkBankwasthefirstInternet-onlybankcreated.Aroundthesametime,WellsFargowasthefirstbrickand-mortarbanktoestab

5、lishitsonlinepresence.Formostoftheremainingbanks,however,onlinepresenceinthefirstfewyearssimplymeantonlythecreationofastaticcorporatewebsite.Bankssoonstartedtodevelopsoftwareapplicationsthatfirstallowedcustomerstoaccesstheiraccountsandlaterallowedthemtoperformfinancialoperationsonline.Bytheen

6、dof2003,morethanhalfofthecommercialbanksintheUnitedStatesofferedsomeonlinebankingservicestotheircustomers.Thispaperanalyzesthedeterminantsofabank’sdecisiontoadoptonlinebanking.Inparticular,wefocusonthestrategicconsiderationsofthisadoption,mainlyinresponsetotheadoptiondecisionsofcompetitorsint

7、hesamemarket.Weshowthatbanksthatoperateinmarketswherecompetitorshavealreadyadoptedonlinebankingtendtoadoptonlinebankingservicesearlier.Thiseffectpersistsevenaftercontrollingforthestandardmeasuresofthedegreeofcompetitioninthemarketandothermark