過去傳統的徵信只蒐集單一的信息數據採集源(大部分來源於借貸領域)，而覆蓋範圍更多的是和金融機構，尤其是和銀行發生過關係的用戶。然而，這樣的覆蓋範圍卻是遠遠不夠的，尤其是面對微型企業或是學生等比較不常與銀行接觸的人群。因此，網際網路徵信逐漸興起，其信息來源主要來自主體在線上的行為數據，包含用戶在網上的交易數據、社交數據及其他網際網路服務使用中產生的行為數據等，藉此對用戶做出一個綜合信用評估。然而，迄今網際網路徵信卻未如預期大幅在台灣擴展。
因此本研究以創新抵制理論探討網際網路徵信是否能被台灣人所接受。
研究結果指出，在使用者抵制行為中，拒絕採用網路徵信以風險障礙與傳統障礙所佔權重最高；延緩採用網路徵信以風險障礙與相對劣勢所佔權重最高；反對採用網路徵信以相對劣勢與價值障礙所佔權重最高。最後再依據研究結果建議金融業或徵信業在推廣網路徵信時能以消除以上使用者抵制因素為目標。

In the past, traditional credit checking information collected only a single information data collection source (Mostly from the borrowing area) and the coverage is more with financial institutions, especially those who have had a relationship with the bank. However, this coverage is not enough, especially for those who are not often contact with the bank. As a result, network credit checking is emerging and its source of information comes mainly from the behavioral data on the main body, including the user's online transaction data, social data and other Internet services generated by the use of behavioral data, etc. Through the above to make a comprehensive credit assessment for the user. However, network credit checking has so far not expected to expand substantially in Taiwan. So this study looks forward to the use innovation resistance theory to explore the reasons for the user to resist the network credit checking.
In the resisting attitude of customers, risk barriers and traditional have highly impact on rejection of using network credit checking. Also risk barriers and relative weakness have highly impact on postponement of using network credit checking. In addition, relative weakness and value barriers have highly impact on opposition of using network credit checking. Finally, according to the results of the study to suggest that the financial industry can promote network credit checking.by solve these obstacles.

英文文獻
Bruce A. McDaniel(2005.6), A Contemporary View of Joseph A. Schumpeter''s Theory of the Entrepreneur, Journal of Economic Issues, Vol. 39 Issue 2, p 485-489.
Bass, F.M., “A New Product Growth Model for Consumer Durable,” Management Science 15, pp215-227.( 1969)
Damanpour, F, Organizational innovation :A meta-analysis of effects of determinants and moderators, Academy of Management Journal, Vol.34, pp355-590. ,1991
Ellen, P.S., Bearden, O.W., and Sharma, S., “Resistance to Technological Innovations: An Examination of the Role of Self-Efficacy and Performance Satisfaction,” Journal of Academy of Marketing Science .Vol.19 No.4, pp297-307. (1991)
Foxall, G. R., “Consumer Innovativeness: Novelty-Seeking, Creativity and Cognitive Style”, In Research in Consumer Behavior, eds E. C. Hirschman and J. N. Sheth, Vol. 3, pp. 79-113, JAI Press, Greenwich, CT. (1988)
Foxall, G. R. and Szmigin (1998), “Three Forms of Innovation Resistance: the Case of Retail Payment Methods,” Technovation, Vol. 18, Nos6/7, pp.459-468.
Foxall, G.R., Corporate Innovation: Marketing and Strategy, 1984, Croom Helm, London.
Foxall, G.R., Adaptive-innovative cognitive styles of market initiators. In adapters and innovators: styles of creativity and problem solving, 1989a, ed. M. J. Kirton, London, Routledge, pp. 125-157.
Foxall, G.R. and Szmigin, Three Forms of Innovation Resistance: the Case of Retail Payment Methods, Technovation, Vol. 18 Nos 6/7 1998, pp.459-468.
Foxall, G.R., Marketing, innovation and customers, Quarterly Review of Marketing, Autumn 1989b, pp.14-18.
G. Stevens & J. Burley, 3,000 Raw Ideas Equals 1 Commercial Success!, Research technology Management 40, no.3 , 1997, pp. 16-27
Heemstra F. J., Kusters R. J., Griffiths Catherine, and Newman Mike (1986), “Dealing with risk : a practical approach”, JIT. Journal of information technology, Risk Management, Vol.11, No.4 (8 ref.), pp. 333-346.
Jansma, Andrew Peter, Ph.D., Innovation and diffusion of information technology in non-competitive environments as typified by county and local governments,University of Minnesota, 2003, 243 pages; AAT 3078017(2003)
Kuisma, T., Laukkanen, T., Hiltunen, M., “Mapping the Reasons for Resistance to Internet Banking: A Means-end Approach”. International Journal of Information Management,Vol27, No.2, pp. 75-85,(2007).
Katz, M. L. and C. Shapiro (1985), “Network externalities, competition, and compatibility”, American Economic Review, 75(3), 424-440.
Kim, Moon-Koo, Park, Myeong-Cheol, & Jeong, Dong-Heon (2004). The effects of customer satisfaction and switching barrier on customer loyalty in Korean mobile telecommunication services.Telecommunications Policy, 28,145-159.
Lunsford and Burnett, Marketing product innovations to the elderly: understanding the barriers to adoption, The Journal of Consumer Marketing, Vol. 9, Iss. 4, 1992, pp.53.
Lascu, D. N., & Zinkhan, G.(1999) .“Consumer conformity:Review and
applications for marketing theory and practice. ” Journal of Marketing Theory and Practice, Vol.7,No.3, pp 1-12.
Lunsford, D. A., & Burnett, M. S. (1992). Marketing product innovations to the elderly: Understanding the barriers to adoption. The Journal of Consumer Marketing, 9 (4), 53-63.
Moore, David J. and William D. Harris (1996), "Affect Intensity and the Consumer's Attitude toward High Impact Emotional AdvertisingAppeals," Journal of Advertising,25(2),37-50.
Midgley, D.F., Innovation and new Product Marketing, 1977,Routledge, London.
Mudd, S.A., The place of innovativeness in models of the adoption process: an integrative review, Technovation, Vol. 10, 1990, pp.119-136.
McFarlan.W. (1984), ”Information technology changes the way you compete”,Harvard Business Review , May-June, pp.98-103.
Pekka Laukkanen, Suvi Sinkkonen, Tommi Laukkanen., “Consumer resistance to internet banking: postponers, opponents and rejectors”The International Journal of Bank Marketing. Bradford: 2008. Vol.2, 26, Iss. 6; pg. 440(2008)
Ram, S. (1987), “A Model of Innovation Resistance, Advances in Consumer 　　　　　　　　　Research”, Vol. 14, Iss. 1, pp. 208-212.
Ram, S. (1989), “Successful Innovation Using Strategies to Reduce Consumer Resistance: an Empirical Test”, Journal of Product Innovation Management, Vol. 6, Iss. 1, pp. 20-34.
Ram, S. and Sheth, J.N. (1989), ”Consumer Resistence to Innovations: the Marketing Problem and its Solutions“, The Journal of Consumer Marketing, Vol. 6, No. 2, Spring, pp. 5-14.
Rogers M.E. (1983), “Diffusion of Innovations”, The Free Press, New York.
Rajdeep Grewal, Patriya Tansuhaj (2001) Building Organizational Capabilities for Managing Economic Crisis: The Role of Market Orientation and Strategic Flexibility. Journal of Marketing: April 2001, Vol. 65, No. 2, pp. 67-80.
Rogers E. M., Diffusion of Innovations, The Free Press, New York. (1983)
Rogers, E. M.. Diffusion of innovations (4th ed.). N.Y.: The Free Press. (1995)
Rogers, E. M. The Diffusion of Innovations. Free Press, New York. (1962)
Rogers, E. M. and Shoemaker, F. F. Communication of Innovations: A Cross-cultural Approach. The Free Press, New York. (1971)
Salem Ben Brahim. “Typology of Resistance to e Banking adoption by Tunisian ” Volume 2015 (2015), Article ID 801654, Journal of Electronic Banking Systems, 8 pages
Schilling, M. A. (2010). Strategic Management of Technological Innovation (3 ed.). New York: McGraw-Hill.
Sheth, J. N. and Wright, P. L, (1974), “Marketing Analysis for societal problems,” Bureau of Economic and Business Research, University of Illinois.
Sheth, J.N. (1981), “Psychology of Innovation Resistance”, Research in Marketing, Vol. 4, pp. 273-282.
Schriesheim, C. A., Eisenback, R. J. and Hill, K. D. (1991), “The Effect of Negation and Polar Opposite Item Reversals on Questionnaire Reliability and Validity: an Experimental Investigation”, Educational and Psychological Measurement, Vol. 51, pp. 67-78.
Schriesheim, C. A. and Hill, K. D. (1981), “Controlling Acquiescence Response Bias by Item Reversals: The Effect on Questionnaire Validity”, Educational and Psychological Measurement, Vol. 41, pp. 1101-1114.
Sheth, Jagdish N., and S. Ram (1987), “Bringing Innovation to Market : How to Break Corporate and Customer Barriers”, New York: John Wiley & Sons, Inc.
S. Ram (1985), “Marketing Strategies to Overcomes Innovation Resistance: A Laboratory Experiment”, Unpublished Doctoral Dissertation, University of Illinois at Urbana-Champaign
Szmigin, Isabelle, Foxall, Gordon. , “Three forms of innovation resistance: The case of retail payment methods”,Technovation. Amsterdam: Jun/Jul 1998. Vol. 18, Iss. 6,7; pg. 459, 10 pgs(1998)
Tommi Laukkanen, Suvi Sinkkonen, Marke Kivijärvi, Pekka Laukkanen.,“ Innovation resistance among mature consumers ”,The Journal of Consumer Marketing. Santa Barbara: 2007. Vol.24, Iss. 7; pg. 419(2007)
Tansuhaj, P., J. W. Gentry, J. John, L. L. Manzer, and B. J. Cho, “A Cross-National Investigation of Innovation Resistance,” International Marketing Review ,Vol. 8,No. 3,pp 7-20. (1991)

中文文獻
李靜怡 (2004)，「手機使用者對手機行動上網之創新抵制來源因素探討」，
國立臺灣科技大學企業管理研究所碩士論文
黃俊英 (1994)，「行銷研究」，華泰書局
陳亦全 (2008)，「證券下單使用者對網路下單之創新抵制來源因素探討」， 國立臺灣科技大學企業管理研究所碩士論文
沈錦蔚 (2011) 「以創新抵制理論探討電信用戶使用電子帳單意願」，國立成功大學電信管理研究所碩士論文
江魁元 (2011) 「消費者對行動銀行創新抵制因素之研究」，國立東華大學企業管理研究所碩士在職專班論文
孫千惠 (2016) 「消費者對穿戴式裝置創新抵制因素之研究」，國立臺灣科技大學企業管理研究所碩士論文
邱紹一 (2011) 「消費者特質對手機行動上網抵制行為影響之研究－以功能障礙與 心理障礙為干擾變項」，國立高學師範大學
簡佑丞 (2011) 「採用障礙與抵制型態對創新抵制影響模式之研究」，樹德科技大學經營管理研究所碩士論文
陳星凱 (2008) 「以創新抵制觀點探討男性接受保養品之影響因素」，國立中央大學企業管理研究所碩士論文
壹讀 (西元2016年08月10日) 網際網路徵信與傳統徵信究竟有什麼不同。
取自 https://read01.com/ndyABz.html
數位時代 (西元2016年04月21日) FinTech 讓借款出現新選擇：P2P 網路借貸。取自 https://www.bnext.com.tw/article/39072/BN-2016-03-31-094916-143
每日頭條 (西元2016年06月04日) 金融大數據信用評分模型解析。
取自 https://kknews.cc/finance/vmej6k4.html
每日頭條 (西元2016年07月18日) 大數據徵信是不是紙上談兵？
取自 https://kknews.cc/zh-tw/tech/vp4vya.html
INSIDE (西元2016年12月12日) 走出台大 EMBA，蘊奇線上 P2P 網路借貸平台今天正式上線！ 取自https://www.inside.com.tw/2016/12/12/lendband-p2p
DIGITIMES (西元2016年04月25日) 善用巨量資料分析 非傳統信用評估服務有商機。 取自http://www.digitimes.com.tw/iot/article.asp?cat=130&id=0000468194_asf0juv7lfv5hh3a8kih7
華語熱聞 (西元2016年12月26日) 大數據徵信縮短了中美之間的差距。 取自http://www.gooread.com/article/20120219833/
閱讀屋 (西元2016年12月08日) 中美徵信體系對比：人口紅利讓中國大資料徵信彎道超車。 取自http://www.readhouse.net/articles/118374450/
壹讀 (西元2016年07月27日) 網際網路+徵信打造網絡經濟風向標。
取自 https://read01.com/2eP6GR.html
科技橘報 (西元2016年05月25日) fintech「初心者」必備！課綱沒有教過你的金融科技發展完整紀錄。取自 https://buzzorange.com/techorange/2016/05/25/fintech-history-expert/
科技橘報 (西元2015年10月05日) 網路信評決定你的財務信評，臉書敢撩落去為銀行充當貸款徵信社嗎？取自 https://buzzorange.com/techorange/2015/10/05/loan-based-on-social-media/
中時電子報 (西元2016年09月13日) 市場趨勢－結合社群 Fintech商業模式翻新。取自http://www.chinatimes.com/newspapers/20160913000332-260207
陳亭羽、朱雅筠、崔哲偉(2006)，「消費者特性與知覺障礙對手機上網創新採用行為之研究」，工研院創新與科技管理研討
王淑賢 (2002)，「消費者創新採用研究：以第三代無線通訊為例」，國立臺灣科技大學企業管理研究所碩士論文
賀俊強 (2007)，「多功能複合機於企業辦公室之創新抵制因素分析」，國立臺灣科技大學管理研究所碩士論文
蘇微東 (2008)，「影響創新消費者對電子雜誌接受意願之因素」，世新大學圖文傳播暨數位出版研究所碩士論文
廖凡雅 (2006)，「手機使用者對於3G 影音服務之創新抵制因素來源分析」，國立臺灣科技大學企業管理研究所碩士論文
陳宗志 (2003)，「消費者對創新產品購買意願因素之探討－以無線網路產品 (WLAN)為例」，國立中央大學管理學院碩士論文。
吳明隆 (2003)，SPSS統計應用學習實務：問卷分析與應用統計，知城數位科技
吳明隆 (2007)，SPSS操作與應用 : 問卷統計分析實務，第一版，五南書局
張紹勳 (2001)，研究方法，滄海書局
陳順宇 (2007)，結構方程式 AMOS操作，台北市：心理出版社
吳萬益、林清河（2000），企業研究方法，初版，華泰書局
陳佳蓉(2011)。「影響護理人員使用行動電子病歷意向之因素：結合創新擴散與創新抵制之觀點」，嘉南藥理科技大學碩士論文
林姿君、林君襄、孫宇萱 (2012)。「呷飽嘸、手機無限上網之創新抵制因素分析」，國立交通大學中華傳播學會年會論文
林陽助、李宜致、林吉祥、林婉婷 (2009)，「折扣幅度、促銷方式與品牌知名度對消費者品牌評價及購買意願之影響—以行動電話為例』，東吳經濟商學學報 (67), 1-46
陳宣琳 (2009)。「影響消費者對訂購電子雜誌之創新抵制來原因素探討」，國立臺灣科技大學科技管理研究所碩士論文