Customer Adoption of Internet Banking: An Integration of TAM with Trust, Perceived Risk, and Quality

Even though internet banking service provides advantages for both customers and the bank, there is still a large group of customers refusing to use this service. So there is a need to identify the factors that determine customer acceptance of Internet banking service. This study based on the TAM, integrating trust perception and perceived risk to predict the user intention. And this study extended the adoption model by focusing on quality´s effects on customers´ perception about the internet banking. A comprehensive research model was developed and empirically examined. Results of the data analysis strongly support the model as well as 14 of the 16 proposed hypotheses.