||Financial industry in Taiwan is facing the challenge of over-banking. When more and more banks are established and offering a variety of financial goods or services to their customers, the competition continues to heighten. Banks are increasingly taking the advantages of electronic commerce to provide e-banking services, intending to maximize their business profits.|
In this study, we use a technology-organization-environment framework to propose an e-banking adoption model. Seven factors, including perceived direct and indirect benefits of the e-banking adoption, financial readiness, technical readiness, mimetic pressures, coercive pressure, and normative pressures, are tested from 255 firms. Statistical analysis and the implications of findings are discussed in the following sections.