3Agarwal, R.& J. Prasad. The Role of Innovation Characteristics and Perceived Voluntariness in the Acceptance of Information Technologies [J ].Decision Sciences, 1997, 28(3): 557-582.
4Ajzen, Icek and Thomas J. Madden. Prediction of Goal-Directed Behavior: Attitudes, Intentions, and Perceived Behavioral Control [J ].Journal of Experimental Social Psychology, 1985, 22: 453-474.
5Fishbein, M. and Ajzen, I., Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research [J ] .MA: Addison-Wesley. 1975.
6Gatignon and Robertson. A propositional inventory for New Product Diffusion Research [J]. Journal of Consumer Research, 1985, 11:849-852
7Hirschman, Elixabeth C., Innovativeness, Novelty Seeking, and Consumers Creativity [J ]. Journal of Consumer Research, 1980:283-295
8Lionberger, H. F. Adoption of New Ideas and Practices [M].The Iowa State University Press, 1960, 5.
9Liao, S., Shao,Y. P., Wang H.& Chen, A. The Adoption of Virtual Banking:an Empirical Study [J ].International Journal of Information Management, 1999, 19: 63-74.
10Rogers,E.M. Diffusion of innovation [M]. The Free Press,New York, 1962,79-86.
