Risk Management and Consumer Willingness of eBanking in China

Abstract-With the global ebanking flourish, many ebanks areworrying about the status quo because of the high risk. Some ofthem are closed, or sold, or losses. Faced with this situation, national network of ebanks and financial supervision departments have to strengthen researches and supervision ofebanking. The main purpose of this study is to discuss how risk influence the Chinese customers make decisions whether adopt ebanking and to what kind of extents, the risk influence customers adoption intention. Firstly, Base on overview basic concept, the study classifies different types of ebanking risk, summarizes the new risks characteristics.Secondly, the study applied Theory of Planned Behavior (TPB)model to suppose that three factors cam influence customers´ adoption intention: Attitude, Subjective Norms and Perceived Behavior Control. The tesing results show that consumers´attitude and perceived behavioral control have significant influence on behavior intention, and relations are positive.Subjective norms have low influence on behavior intention.