The UTAUT Model in the Adoption of E-Learning Technology: An Empirical Study Using China's Banking Industry

To provide strategies for developing and optimising e-learning technology, this paper conducts research on the e-banking platform based on e-learning technology. Firstly, this paper points out the technical content of the electronic banking platform. Secondly, based on the Unified Theory of Acceptance and Use of Technology (UTAUT) model, empirical analysis is conducted on the influencing factors of user willingness to use electronic banking platforms, including the introduction, construction, hypothesis formulation, selection of indicator variables, and questionnaire design. Finally, the results of empirical analysis are explored. The result shows that: (1) The Cronbach's a values of the subscales of the questionnaire designed are all greater than 0.7, and the load of different factors in each dimension of the scale is more significant than 0.5. (2) Perceived risk has the highest average among all influencing factors, with a value of 4.13. (3) AMOS (Analysis of Moment Structure) 21.0 was calculated using a standardized path coefficient similar to the model.