Integrating TAM and TPB with Perceived Risk to Measure Customer's Acceptance of Internet Banking

This article proposes a revised technology acceptance model to measure customers ‘acceptance of internet banking, in Iran. This study uses the technology acceptance model, theory of planned behavior and theory of perceived risk to build a comprehensive model. We designed a questionnaire and used it to survey a randomly selected sample of customers of internet banking, and In June 2010, a sample of 349 customers of national bank of Iran completed the questionnaire. We analyzed the data using structuralalequation modeling (SEM) to evaluate the strength of the hypothesized relationships, if any, among the constructs. The results provide support of the proposed model and confirm its robustness in predicting customers’ intention to accept internet banking and imply that the perceived usefulness is the most important positive predictor and security risk is the most important negative predictor of the intention to use internet banking.