2015年年初，金融監督管理委員會宣布開始布局金融3.0，其宗旨為使用網際網路與傳統金融產業作搭配，創造出一個不限時間空間的金融服務。本論文意旨在探討影響使用者使用網路銀行的因素，依照國外學者之文獻所萃取出科技因子、信任、服務品質、訊息安全性、虛擬態度等六大變數進行問卷施測，並設立研究假設，搭配KMO與Bartlett信度分析、變異數分析以及敘述性統計、回歸方法進行資料分析。
本研究以網路問卷為主要蒐集資料模式，在PTT、FACEBOOK等各大網路社團開放填寫，共回收557份問卷，其有效問卷為539份。其中曾使用過網路銀行的有429位填寫者。研究結果發現，唯有個人月收入族群不同才會顯著的影響使用意願。而數據表示，信任、訊息安全性、科技因子對於使用者對於網路銀行之虛擬態度都有正向關係，而此虛擬態度又對於使用意願有著直接的正向影響。因此對於未來要開發網路銀行或手機銀行之銀行業者，建議要把握簡單易用、且把握訊息安全度，甚至是實體銀行對於顧客的服務，都會影響顧客使用網路銀行之意願。

In early 2015, Financial Supervisory Commission announced the start of the financial arrangement 3.0, which aims to use the Internet and traditional financial industry for the match. This paper intents the factor which influence online banking user.According to foreign scholars of literature,we select some option for survey which include science and technology factor, trust, service quality, message security, virtualized attitude.However,we set assumptions which analyze with KMO and Bartlett test, variance analysis and descriptive statistics, regression data analysis.

This paper collected data by internet, PTT, FACEBOOK and other major web community group. This investigation sends out 558 questionnaires and take back the valid questionnaire539 which include 429 people who had used online banking .The results found that only different the personal monthly income group will be significantly affect user’s intention. The data shows that trust, message security, science and technology factor, virtualized attitude have a positive affect to user’s intention. Therefore, for the future development of the banking industry to online banking or mobile banking, we recommend to grasp simple to use and to grasp the MSA degree, or even a physical bank for customer service will affect the customer's willingness to use online banking.

謝辭……………………………………………………………………………………i
中文摘要………………………………………………………………………………ii
英文摘要………………………………………………………………………………iii
目錄……………………………………………………………………………………iv
圖目錄…………………………………………………………………………………vi
表目錄 ……………………………………………………………………………..…vii
第一章 緒論
第一節 研究背景與動機…………………………………………………………1
第二節 研究目的…………………………………………………………………3
第三節 研究方法與研究限制……………………………………………………4
第二章 文獻回顧
第一節 「金融 3.0」的起源與介紹………………………………………….…5
第二節 網路銀行的發展…………………………………………………………6
第三節 文獻回顧…………………………………………………………………7
第三章 研究方法
第一節 研究架構………………………………………………………………12
第二節 研究假說………………………………………………………………13
第三節 問卷設計………………………………………………………………15
第四節 資料分析方法…………………………………………………………19
第四章 研究結果
第一節 樣本結構………………………………………………………………20
第二節 內容效度………………………………………………………………25
第三節 因素分析建構效度……………………………………………………25
第四節 變異數分析……………………………………………………………31
v
第五節 假設驗證………………………………………………………………37
第五章 結論與建議
第一節 結論……………………………………………………………………38
第二節 學術貢獻………………………………………………………………39
第三節 實際貢獻………………………………………………………………39
第四節 未來建議………………………………………………………………40
第六章 參考文獻……………………………………………………………………41
附錄………………………………………………………………………………… 44

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