The inhibitory factors of implementing internet banks

The purpose of this study is to explore the inhibitory factors that affect the implementation of Internet Banks (IBs) in Taiwan and provide suggestions for the banks that fail to implement internet banks. This study compiles the factors according to Rogers' Innovation Diffusion theory and the result of the literature review. Then, we collect data from the questionnaire survey and analyse the data by using Principle Component Analysis and the Structural Equation Modelling (SEM). The results indicate that the inhibitory factors that affect IBs' implementation can be divided into three aspects: internal organisation, external environment and innovative technology. The aspects above include 17 measurement variables.