本研究探討影響銀行顧客對網路銀行接受度的因素，雖然本研究提供 了實證上的解釋，但不可避免地仍有其研究限制，而這些研究限制或許可 以提供未來研究者一些研究方向的啟發。
5.3.1 研究限制
(1) 研究結論的限制：本研究結論及其經營意涵是來自探討一項特定科技並 鎖定臺灣一特定使用者族群的單一研究所獲致的結果。因此，要將本研 究結果一般化到其它的科技或族群時自當謹慎小心其間的異同。
(2) 研究對象的限制：本研究的研究對象為網路銀行的實際使用者，受限於 時間與成本的考量下，本研究採用網路問卷調查方式，這是一種便利抽 樣的方式，無法對母體進行普查或隨機抽樣。研究樣本多集中於曾經接 觸網際網路5年以上的受測者，而接觸網際網路的時間對於網路銀行使 用意向可能會有顯著的影響。因此，分析結果用以推論母體的行為可能 產生偏誤。
(3) 研究設計的限制：本研究採用科技接受模式和創新擴散理論為理論基 礎，來分析創新科技使用者角色、知覺有用、知覺易用、知覺系統安全 等變數對使用網路銀行行為意向的影響。研究時未列入其他控制變數，
如性別、年齡、教育程度等，這些因素或許會對研究結論產生干擾效果。
5.3.2 未來研究建議
根據研究過程與結果，本研究提出下列三項建議以供後續研究的參考：
(1) 更真實的樣本對象：本研究主要採用網路問卷的方式來收集資料，並藉
由台灣各大電子佈告欄的財經資訊區來發佈並連結網路問卷所在網址，
以懇求網友們撥空前往填答。很明顯地，現今仍會使用電子佈告欄的網 友可能會集中於某些特定年齡層或社會階層，因此可能導至樣本代表性 不足的疑慮。建議後續研究者可透過設有網路銀行的銀行業者的協助，
將問卷放置於該銀行網站上，並設定必需是開設有網路銀行帳戶的客戶 才能填答問卷，如此以實際使用者的意向來做分析，比較能了解他們的 使用狀況及感受，達到研究結果的真實性與適切性。
(2) 未使用網路銀行之使用者的原因探究：本研究僅針對實際網路銀行使用 者進行接受度因素的探討。雖曾對網路銀行未使用者進行初步的了解，
但並未深究，後續研究可針對此一族群來深入瞭解其未能接受網路銀行 的主要顧慮因素為何，以提供銀行業者應對之策。
(3) ATM、電話銀行及網路銀行的比較：目前國內的ATM、電話銀行及網路 銀行等三種電子銀行服務的業務功能不盡相同，例如電話銀行及網路銀 行並無法進行現金的存款與提款，因此可能影響到顧客的行為意向。建 議後續研究者可以針對此議題做進一步的分析。
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