近年由於資訊網路蓬勃發展，已影響 人們生活的各個層面，網路銀行便是一 例，但國內民眾使用網路銀行的比率仍偏 低。本研究即以線性結構分析(LISREL) 法，探究其原因。研究發現，經常使用網 路銀行者與不使用網路銀行者，在個人特 質、生活價值觀及對銀行服務的要求上有 顯著性差異。線性結構模式考驗結果，模 式之整體適配度2 值為21.68（df = 18）， GFI 值為0.991，表示此模式之整體適配度 是相當理想的。從模式的影響路徑看出， 個人特質、生活價值觀及對網路網路銀行 需求，直接影響網路銀行使用次數。同時 此模式亦指出，個人特質與生活價值觀，亦透過網路銀行需求，間接影響網路銀行使用次數。網路銀行使用率偏低的原因，與國人保守性格、社會缺少宣傳，以及民眾對網路銀行的認識不清楚有關。研究者建議，企業界應多加宣傳網路銀行的可靠性及方便性等實際利益，以提升網路銀行的使用率。

Because of the vigorous growth of Internet in recent years, people have been experiencing significant impacts on many aspects of their lives, and online banking is one of the examples. However, the usage of online banking for general public is still relatively low in Taiwan. This study used the linear structural relationship (LISREL) methods to investigate its reasons. The research discovered that the group of frequent online banking users and the group of non-frequent online banking users, exhibit significant differences on individuals’ characteristics, personal values and banking service expectations. The LISREL results showed, the overall goodness-of-fit indices 2 was 21.68 (df =18), and the GFI was 0.991, which indicated an empirically good fit with the model. Based on the above results, it was concluded that the usage of online banking has a direct relation with individuals’ characteristics, personal values and banking service expectations. This model also suggested that the individuals’ characteristics, personal values could have an indirect effect on usage of online banking through banking service expectations. The results indicated that the low online banking usage is due to conservative characteristic of Taiwanese people in general, lack of publicity, and inadequate understanding of online banking. The research suggests that putting more efforts on public awareness of the reliability and accessibility of online banking by the industry may increase the usage of online banking.