A study on factors influencing users’ behavior on purchasing the internet-based financial products

• Main Author: Zhou, Xiaoli
• Format: Thesis
• Language: English; English; English
• Published: 2019
• Subjects: T58.5-58.64 Information technology; HG Finance
• Online Access: https://etd.uum.edu.my/9688/1/s823838_01.pdf; https://etd.uum.edu.my/9688/2/s823838_02.pdf; https://etd.uum.edu.my/9688/3/s823838_references.docx; https://etd.uum.edu.my/9688/
• Institution: Universiti Utara Malaysia

The Internet Finance is an emerging field in which the Internet and finance are combined. The Internet finance has become one of the hottest topics of discussion. Even companies that have not been involved in financial business have followed suit into the Internet finance industry. Therefore, the market is full of various The Internet financial products, which are gradually attracting the attention of the general public, especially the financial management represented by Alibaba’s balance treasure. Products have subverted the rules of traditional finance and become the new focus of the moment. At present, a lot of research on the Internet financial wealth management products is a fragmented model analysis. Few scholars have conducted in-depth research on the behavior of users purchasing The Internet financial wealth management products. Therefore, in this context, this paper will locate the Internet on the Internet. In financial wealth management products, the main influencing factors of users purchasing The Internet financial wealth management products and the relationship between various influencing factors are studied. I hope that this research can help China's the Internet finance develop better and faster. This paper establishes the theoretical model of this thesis by using the performance expectation, effort expectation, and social influence in the integrated technology acceptance and use model (UTAUT) as the framework to use the purchase behavior as the dependent variable, increasing the perceived risk and acting as the independent variable. Put forward hypotheses to study the factors influencing users to purchase The Internet financial management products. This study employed SPSS and Smart PLS for data analysis and verify the correctness of measurement model hypothesis. The findings of this study indicate performance expectancy, effort expectancy, social influence and perceive risk t has significant positive influence on purchasing The Internet financial products.