Differences in Perceived Attributes of an Innovation between Group of Users and Non Users : A Case Study of Bualuang ibanking (Thailand)

Abstract: The respondents can be classified into 3 groups as follows, users 47%, non users 37%, non awareness customers 16%. We found that the group of users perceived more positive toward Bualuang ibanking than the group of non users in four aspects, relatively advantage, complexity, compability and observability, while, trialability was not perceived as a significant attribute facilitating the use of Bualuang ibanking. However, in some circumstances, such as, time processing, mental effort, frustrating, privacy and security, the attitude toward these circumstances is positive but not divergent between these two groups. For the non awareness customers, there are 58% of them preferred adopting this technology in the future and the most frequently selective duration that they will adopt this technology is within one month.