Abstract:

Attitudes and behaviors related to online banking, levels of customers to technology acceptance and information affected from multiple nested factor structures such as socio-psychological factors and risk perception. Therefore, in this study, a structural equation model is proposed to portrayed the mentioned structure of complex relationship. Proposed structural equation model, associated with technology acceptance model and the theory of planned behavior, tried to explain customers intentions and behaviors of the use of online banking. In the analysis results, the proposed model can be used to explain the behavior of internet banking. In particular the “Subjective Norm” and “Perceived Ease of Use” is determined to be important factors in the development of positive attitudes related to internet banking. In addition, “Perceived Behavioral Control”, it was identified that a significant impact on the intention to use internet banking. In addition, perceived behavioral control was determined to be of significant impact on the intention to use internet banking.

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