Why people resist to internet finance: From the perspective of process virtualization theory

Abstract

With the advancements of information technology, internet finance as a IT-enabled virtualization of business process has gain a fast-growing marketplace. However, little is known about why there is still a widely reluctance to use internet finance. Based on process virtualization theory and user resistance literature, we postulate a research model of user’s resistance to internet finance by integrating the process characteristic factors, external influence and internal influence of user. Finally, we discuss the potential contributions and limitations of the study, as well as ideas about related future research. Throughout the study, we use the process virtualization theory as a means of integrating discussion and survey approach is chosen to collect data and empirically test the model in future research. The potential theoretical contributions are mainly made to user resistance literature and internet finance implementation. Meanwhile this study provides explanations of why certain users tend to resist to internet fiancé while others not.