Date of Award


Degree Name

Doctor of Philosophy



First Advisor

Odom, Marcus

Second Advisor

Pearson, John


Given that the Chinese economy has experienced rapid growth over the last decade, developing Internet banking and transforming traditional lines of products into web sites beyond "brick and mortar" local branches will be the main drivers for both Chinese banks and foreign banks to tap into the available of Chinese savings. The primary objective of this study is to integrate trust and uncertainty theoretically into the Decomposed Theory of Planned Behavior in investigating determinants that affect Internet banking adoption in a developing country. Thus, this research attempts to evaluate empirically adoption models for Internet banking and employs an integrated model to investigate the factors of Internet banking adoption in Mainland China. Sample date will be collected from Chinese college students in Mainland China. The structural equation modeling technique will be employed to test the proposed hypotheses. This study collected data from two public universities in Shandong Province, China. The results of statistical analysis suggested that beliefs of social norms, behavioral control, and trust have significant influences on an individual's intention to adopt Internet banking service. Within this sample of Chinese students, only perceived image on its attitude belief was not significant. The new knowledge generated in this research study will increase our understanding in financial, accounting, management of information system, business administration, and decision making related to the adoption of Internet banking in Mainland China.




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