网上银行的采用：比较发达国家和发展中国家[外文翻译]

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1、外文题目：IneternetBankingAdoption:ComparingDevelopedAndDvelopingCountries出处：JournalofComputerInformationSysterms作者：Y.Y.YUEN,PAULH.P.YEOW,NENALIM原文：1.INTRODUCTIONAdoptionofInternetbankingservices(IBS)indeveloped(e.g.,theUnitedStates(U.S.)andAustralia)anddeveloping(e.g.,M

2、alaysia)countriesisgrowing.IBSwasfirstavailableintheU.S.in1994[9],inAustraliain1999[3],andinMalaysiain2000[4].Asoftheyear2007,16.6%ofthe307millionU.S.population[9],42%ofthe21millionAustraliapopulation[3],and16%ofthe25millionMalaysiapopulation[4]wereIBSusers.Eventhou

3、ghInternetbankingisregardedasoneofthemostpowerfuldeliverychannelsthatallowsbankstoexpandtheircustomercontactthroughincreasedgeographicalreachandlowercostdeliverychannels,thereisnopointforbankstoinvestinIBSiftheservicesareneitherwantednoracceptedbytheircustomers[7,22

4、].Therefore,itiscrucialforbankstounderstandtheimportantfactorsthatleadtotheadoptionofIBS.Thiswouldhelpbankstomaximizereturnontheirinvestmentsandmaintainacompetitiveadvantage[11,15,31].Inaddition,IBSisaglobalserviceofferedtoanyconsumerfromanycountry.Therefore,bankswo

5、rldwidemustunderstandtheculturaldifferencesofdevelopedanddevelopingcountriestobeabletocustomizetheirIBStomeetcustomerneedsinvariouscountries.DespitetheimportanceofunderstandingIBSadoptionfromthecontextofculturaldifferences,thisissuewasnotaddressedinpreviousstudies.M

6、oststudiesfocusednarrowlyonthepositiveaspectsofIBS.Forexample,Erikssonetal.[15]andPolatogluandEkin[31]focusedontheeffectsoftrust,relativeadvantage,andtrialabilityonattitudetowardusingIBS.OtherstudiesmainlyconcentratedontheinfluenceofperceivedsecurityonIBSacceptance[

7、11,33].LiteraturesuchasGerrardandCunningham[17]andSaythe[33]didnottestthevalidityandreliabilityofconstructs.TheobjectiveofthepresentstudyistoexamineandcomparecrucialfactorsaffectingconsumeracceptanceofIBSintwogroupsofculturallydifferentcountriesi.e.thedeveloped(theU

8、nitedStatesandAustralia)anddeveloping(Malaysia)countries.ThestudyisthefirstresearchthataddressesculturaldifferencesofIBSadoptioninthesecou