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中文摘要：
越来越多的服务提供商同时为消费者提供网下和网上的服务,但是消费者更倾向于使用网下的服务渠道,而不愿选择网上的服务渠道。由此,探讨在网下和网上提供类似服务时,影响用户从网下到网上使用转移意愿的因素,并利用效价框架和已有文献对习惯、创新性的研究,提出一个同时考虑2种不同环境下影响使用转移意愿因素的研究模型。以银行服务为研究对象,结果表明,消费者特定创新性、习惯和相对收益对用户使用转移意愿均有影响。另外,还发现消费者的网上使用经验和网上银行服务使用经验对研究模型的关系起到调节作用。
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