An empirical investigation of behavioral intention to use online services

Taking into account the attractive prospect of the Internet, more and more service providers provide offline and online services simultaneously. At the same time, there are many online service providers who only provide online services. But the adoption of online services, especial for online transaction services develops slowly. This study selects the online banking as the research object and explores the factors that influence the consumers´ intention to use online transaction services. Based on the valence framework, we examine the effect of perceived risk and perceived relative benefit on the consumers´ intention to adopt the online banking services. Results indicate that perceived risk, perceived relative benefit and internet experience significantly influence the consumers´ intention to use online banking services, but the influence of Internet experience on perceived risk is not significant.