Paper Title
A Study on the User Acceptance of Internet Primary Bank based on UTAUT2 and IRM

Abstract
The integrated research model proposed in this study is based on UTAUT2 and IRM(Innovation Resistance Model) to explain the innovation resistance and consumer acceptance of internet primary bank services. In specific, performance expectancy, effort expectancy, social influence, facilitating conditions, and hedonic motivation of UTAUT2 and personal innovativeness and perceived security of IRM are adopted in our research model. The purpose of this paper is to identify the influencing factors on the innovation resistance and consumer acceptance of internet primary bank services. It collected 203 online survey responses from non-users of internet primary bank services. The findings of this study suggest that performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, personal innovativeness, and perceived security affected innovation resistance. Together, these have a negative influence on the consumer acceptance of internet primary banks. Keywords - Internet Primary Banks, UTAUT2; Innovation Resistance Model, Innovation Resistance, Consumer Acceptance.