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Internet Banking Service

Perceived characteristics of Internet banking

Relative advantage

-Economic benefits

-Improved service level

-Convenient

Customer learning requirement

-Compatibility

-Complexity

-Trialability

Perceived risk

-Functional risk

-Security risk

Cost

-Purchase cost

-Usage cost

Social value

Personal Characteristics

Socioeconomic

-Age

-Income

Personality traits

-Inner-directedness

-Attitude toward change

-Venturesomeness

Social characteristics

-Opinion leadership

Product category usage

-Electronic banking usage

-Internet usage

-Purchase over the Internet

Actual adoption was not examined in this study

Figure 3:  Framework of Study

Intention to adopt Internet banking

Adoption of

Internet banking

Specific Services Requirement

-Current service

-Future service

ABAC Journal Vol. 22, No.3 (September  - December, 2002), pp. 63 - 80

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