本研究以「計畫行為理論」作為解釋消費者採用網路銀行行為意向的理論基礎。再由「創新擴散理論」、「科技接受模型」，探討「相對優勢」、「知覺易用性」、「相容性」對於消費者採用網路銀行「態度」的影響。及「計畫行為理論」中對控制信念的探討，將其解構為「自我效能」與「便利的狀態」，探討消費者在採用網路銀行時對「知覺行為控制」影響。
本研究設計以「問卷調查法」進行，共143位受測樣本。經實徵研究的結果發現，當消費者具有愈正向的「態度」與愈正向的「主觀規範」時，對其採用網路銀行的「行為意向」愈高。同時當消費者知覺到愈高的「相對優勢」與愈高的「相容性」時，對其採用網路銀行的「態度」愈正向，以及當消費者具有愈高的「自信心」與愈高的「便利的狀態」時，對其採用網路銀行的「知覺行為控制」愈高。

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