Adoption of Internet Banking: An Integrated Model

Banking sector in China has been substantially influenced by the development of the Internet. As more and more financial institutions launch their Internet banking services, examinations of factors critical to customer adoption decisions become increasingly important. Based on the UTAUT model, the D&M model, and the concept of trust, a comprehensive research model was developed and empirically examined, using responses from 313 intended users of Internet banking. Results of the data analysis generally support the model as well as nine of the eleven proposed hypotheses. Several implications for practice have emerged and are discussed.