| dc.description.abstract | Today, with the rapid development of information technology, as people′s consumption patterns change, the financial transaction model has also been adjusted. From the early days people used to bank transactions, most financial consumers have operated through online banking or mobile devices. The change in the mode of financial consumption, the operating system adopted by the bank is bound to be updated, in order to keep up with the rapid changes in the financial market, and the large changes in the introduction of new systems are generally prone to anxiety. This study will explore the factors that bankers resist the introduction of enterprise systems from the perspective of current status preferences (user habits), analyze the data with structural equations, and explore the impact of bankers′ psychological commitments and rational decision-making on cognitive errors. Using gender and science and technology disorders as adjustment variables to understand the reasons for the resistance behavior in the process of adopting the new system, the questionnaire survey was conducted for bank practitioners who had experienced the transformation of the old and new systems in Taiwan during the period. A total of 211 valid questionnaires were obtained. The results showed that both psychological commitment and rational decision-making have an impact on cognitive errors, resulting in users resisting behaviors, and psychological commitments can directly generate user resistance behaviors without mediating variables. Gender and technology disorders act as adjustment variables, which have a partial impact on users′ rational decision-making and cognitive errors. Finally, this study will make recommendations based on the analysis results for companies or research that will introduce new systems in the future. | en_US |