??????????????????????????????????????????????????????????? Virtual Bank ????????????

Abstract

The purpose of this research is to study the factors of acceptance and use of technology that affect consumers' intention to use Virtual Bank. This purpose of this research is to find out to understand of intention to use Virtual Bank of the future consumer. Using a sample of 400 people with experience using Internet Banking or Mobile Banking in Thailand in the past 6 months. The data was analyzed by descriptive statistic consist of percentage, mean, standard deviation and statistic inference consist of the relationship factors by Multiple Regression Analysis at the 0.05 level significance.The results indicate that the majority of respondents are female age between 30-39 years old and education is bachelor's degree. The occupation is government office/state enterprise with an average income per month of 15,000 - 30,000 baht, doing the most general transactions (deposits, transfers, withdrawals). Moreover, the results in term of demographic factors shows that gender and diversity in transactions It has influence on consumers' intention to use Virtual Bank. Except age, education level, occupation, and income. Furthermore, the results of this research show Performance expectations had the greatest impact on consumers' intention to use Virtual Bank, followed by social influence, knowledge about Virtual Bank, expectations of effort, respectively. The results of this research reveal various influences that will affect consumers' intention to use Virtual Bank, which can be used to identify target groups. Developing and planning strategies to create a competitive advantage in the future.

??????????????????????????????????????????????????????????????????????????????????????????????????????????????? Virtual Bank ???????????? ??????????????????????????????????????????????????????????????????? Virtual Bank ??????????????????? ?????????????????????????????????????????????? ?????????????????????????????????? Internet Banking ???? Mobile Banking ??????????? ?????? 6 ??????????????????? 400 ?? ????????????????????????? ?????? ????????? ????????? ???????????????????? ?????????????????????????????????????????????????????????? (Multiple Regression Analysis) ???????????????????????????????? 0.05??????????????? ???????????????????????????????? ??????????????????????? 30-39 ?? ???????????????????????? ????????????????????/??????????? ???????????????????????? 15,000 � 30,000 ??? ??????????????? ( ??? ??? ??? ) ????????? ???????????????????????????????? ??? ????????????????????????????? ??????????????????????? Virtual Bank ???????????? ???? ???? ????????????? ????? ??????????????????????????????????? Virtual Bank ???????????????????????????????????? ??????????????????????????????????????????????????????????? Virtual Bank ???????????? ????????????????? ????? ????????????????????????????????????????????????????? Virtual Bank ???????????? ????????? ?????????? ??????????????? ???????????????? Virtual Bank ??????????????????????? ???????? ????????????????????????????????????????????????? ? ????????????????????????????? Virtual Bank ???????????? ?????????????????????????????????????????????????????????????????????????????????????????????????????????