網(wǎng)上銀行的采用比較發(fā)達國家和發(fā)展中國家[外文翻譯]

1、外文題目：外文題目：IerIerBankingBankingAdoption:Adoption:ComparingComparingDevelopedDevelopedDvelopingDvelopingCountriesCountries出處：處：JournalJournalofofComputerComputerInfmationInfmationSystermsSysterms作者：者：Y.Y.YUENY.Y.YUENPAULPA

2、ULH.P.YEOWNENAH.P.YEOWNENALIMLIM原文：文：1.INTRODUCTIONAdoptionofInterbankingservices(IBS)indeveloped(e.g.theUnitedStates(U.S.)Australia)developing(e.g.Malaysia)countriesisgrowing.IBSwasfirstavailableintheU.S.in1994[9]inAust

3、raliain1999[3]inMalaysiain2000[4].Asoftheyear200716.6%ofthe307millionU.S.population[9]42%ofthe21millionAustraliapopulation[3]16%ofthe25millionMalaysiapopulation[4]wereIBSusers.EventhoughInterbankingisregardedasoneofthemo

4、stpowerfuldeliverychannelsthatallowsbankstoexptheircustomercontactthroughincreasedgeographicalreachlowercostdeliverychannelsthereisnopointfbankstoinvestinIBSiftheservicesareneitherwantednacceptedbytheircustomers[722].The

5、refeitiscrucialfbankstoundersttheimptantfactsthatleadtotheadoptionofIBS.Thiswouldhelpbankstomaximizereturnontheirinvestmentsmaintainacompetitiveadvantage[111531].InadditionIBSisaglobalserviceofferedtoanyconsumerfromanyco

6、untry.TherefebankswldwidemustundersttheculturaldifferencesofdevelopeddevelopingcountriestobeabletocustomizetheirIBStomeetcustomerneedsinvariouscountries.DespitetheimptanceofunderstingIBSadoptionfromthecontextofculturaldi

7、fferencesthisissuewasnotaddressedinpreviousstudies.MoststudiesfocusednarrowlyonthepositiveaspectsofIBS.FexampleErikssonetal.[15]PolatogluEkin[31]focusedontheeffectsoftrustrelativeadvantagetrialabilityonattitudetowardusin

8、gIBS.OtherstudiesmainlyconcentratedontheinfluenceofperceivedsecurityonIBSacceptance[1133].LiteraturesuchasGerrardCunningham[17]Saythe[33]didnottestthevalidityreliabilityofconstructs.StudieshaveusedHofstedeculturaldimensi

9、onstoexplainculturaldifferencesondifferenttopicssuchasvirtualcommunitiesinBangladeshtheU.S.[36].Burˇeiketal.[8]usedpowerdistanceuncertaintyavoidanceindicestoexplaindifferencesinganizationalgovernancemanagerialstyles.Thec

10、ulturaldifferencesamongtheU.S.AustraliaMalaysiaareclearlydemonstratedbyHofstede’sfiveculturalindices(Table1).AmericanAustralianculturesarehighonindividualism(IDV=9190respectively)butlowonpowerdistance(PDI=4036respectivel

11、y)[21].OnthecontraryMalaysiancultureislowonindividualism(IDV=26)buthighonpowerdistance(PDI=104)[21].MalaysiansalsohavehighertoleranceofuncertaintythanAmericansAustralians[21].3.3ionofUnifiedTheyofAcceptanceUseofTechnolog

12、y(UTAUT)ModelTheUnifiedTheyofAcceptanceUseofTechnology(UTAUT)modelisoneofthemostcomprehensivedefinitivetheeticalmodelsintheinfmationsystemsdiscipline.Themodeladvancesacumulativetheywhileretainingaparsimoniousstructure[38

13、].Themodelprovidesaframewkthatincpatesfourmainindependentvariables(perfmanceexpectancyefftexpectancysocialinfluencefacilitatingconditions).Itredressesthelimitationsofexistinguseracceptancemodels(e.g.TechnologyAcceptanceM

14、odel)byincludingbarriersthatwouldpreventanindividualfromusingIBSintothestudy[38].Fouradditionalfactsnamelyperceivedcredibilityselfefficacyattitudetowardusingtechnologyanxiety—areaddedtothepresentstudytomeasureissuessucha

15、ssecurityprivacyuserconfidenceenjoymentfearthatariseduringuserinteractionwithIBSrespectively.1.3.1DependentVariableUseracceptanceisdefinedasaperson’spsychologicalstatewithregardtohishervoluntaryuseintentiontouseatechnolo

16、gy[121335].Behavialintentionisshowntobeahighlyvalidindicatofactualusage[34].Astheaverageprofitsbroughtbyaloyalcustomeris25timesmecomparedwiththatofanewcustomer[6]thepresentstudymeasuresuseracceptancebyexaminingexistingus