

 



INTERNET BA


 TP.HCM   2013





 0311 m 2013
 








 1
1.  1
2.  2
3.  2
4.  3
5.  3
6.  3

         
 4
1.1  4
 4
 4

 25
 25
 25
2.1.2 N
 26
N
Nam 27
2.2.1         N  
 27
2.2.1 27
2.2.1 29
           
 30
2.3 
 36
2.3.1 
Nam 36
2.3.2 
 37
 37
2.3.2.2  39
2.4               
 42
 42
 46
2 48
2.4.3. 48

 87
 88
 89






: 

ATM 
EFA : Exploratory Factor Analysis
IB 
KMO  Mayer  Olkin
NHNN 
NHTM 
NHTMCP 
POS : Point of Sale (  )
PR 
Sig 
TAM 
TPB 
TRA : Theory o
TP.HCM 
 64
 64
 65
 66
2.21 67
: Kt qu phân tích ANOVA v s khác bit ca giá tr trung bình mu
nghiên ca khách hàng 68
Bng 2.23 : Kt qu phân tích ANOVA v s khác bit ca giá tr trung bình mu
nghiên c hc vn ca khách hàng 69
: Kt qu phân tích ANOVA v s khác bit ca giá tr trung bình mu
nghiên ca khách hàng 70 
 11
 12
 13
 16
 16
               ,
2007 17



             


    

IB
        IB c



2

im

Internet Banking   N
.
2. 
- 



-                



-           
      nhân t  n  s
dng dch v IB ca khách hàng.       

- Phát trin thang u t ng  s dng dch v IB ca
khách hàng.
 
Giúp các nhà nghiên cu, nhà qu din v các
yu t  dng dch v IB c cho
vic honh các chic thu hút khách hàng và phát trin dch v này.
6. 
3:


               

 
 nhân
4


     INTERNET BANKING   

1.1 
1.1.1 
1.1.1.1 


     u này cho phép khách hàng có th truy
nhp t xa các thông tin, thc hin các giao dch thanh toán, tài chính da trên các
tài khoi ngân hàng. 

1.1.1.2 


hàng ti Vi      ng dng nhng công ngh mi này.
Mobile Banking là mt kênh phân phi sn phm dch v ngân hàng qua h thng
mn tho

 nguyên tc mã
hoá, bo mi gia trung tâm x lý ca ngân hàng và thit b ng ca
khách hàng.
- Dch v ngân hàng qua mng Internet (Internet Banking): 
 
ng
hn bt k t c lúc nào. Vi máy tính kt ni Internet, bn s
c cung cng dn các sn phm, các dch v ca ngân hàng.
- ch v th
i ngân
6









- 



-             


dch v c to s thun li thêm cho khách hàng. Hu ht, các ngân hàng
va và nh  hình thái này.
 n t (E  Business):
Trong hình thái này, các x n c  phía khách hàng (front  end) và
i qun lý (back  c tích hp vi Internet và các kênh phân
phc phân bit bi s  sn phm và ch
ca ngân hàng vi s phân bit sn phm theo nhu cu và quan h ca khách hàng
i v na, s phi hp, chia s d liu gia hi s ngân hàng
và các kênh phân phng Internet, m
vic x lý yêu cu và phc v   c nhanh   
8

Internet và khoa hc công ngh   liên kt, chia s thông tin gia ngân
 Mt vài ngân hàng tiên tin trên th
ging ti xây dc mt ngân hàng
n t hoàn chnh.
  Bank hay E  Enterprises)
ng ca mt ngân hàng trc tuyn trong nn kinh t
n t, mt s thai hoàn toàn trong mô hình kinh doanh và phong cách qun
lý. Nhng ngân hàng này s tn dng sc mnh thc s ca mng toàn cu nhm
cung cp toàn b các gii pháp tài chính cho khách hàng vi chng tt nht. T
nhu là cung cp các sn phm và dch v hin hu thông qua nhiu
kênh riêng bit, ngân hàng có th s dng nhiu kênh liên lc này nhm cung cp
nhiu gii pháp khác nhau cho tng khách hàng chuyên bit.
1.1.2 
1.1.2.1 K


   





 
     



 10

1.2 
1.2.1 









1.2.2 
Mi tiêu dùng có nhng c ra
quynh tiêu dùng sn phm. Nhng quynh này chu ng bi nhiu
nhân t ng quyn s tn ti
và phát trin ca m
vy, vic tìm hiu nhu cu, tìm hi cung ng sn 
: Ajzen & Fishbein, 1980)
1.2.2.2 

y












12


n   i


zen, 1991








13


vi. Tuy

1.2.2.3 




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H
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 
 
 



ST
.
vi: 

             S

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
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

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