User Acceptance of Internet Banking in an Uncertain and Risky Environment

Internet is expected to be especially beneficial to the banking industry. As more and more financial institutions are finding ways to utilize Internet technologies to launch online banking services, an important issue is to understand what factors will impact the decisions of customers in adopting such services. Based on the UTAUT model, the D&M IS success model, and the concept of trust, this paper presents an integrated model to investigate user acceptance of Internet banking in an uncertain and risky environment. Empirically, we analyze an extensive dataset, a sample of 413 respondents; and the results strongly support our model. A momentous conclusion is that user acceptance of Internet banking is highly influenced by perceived risk and perceived uncertainty.