IJIMT 2011 Vol.2(1): 95-100  ISSN: 2010-0248
DOI: 10.7763/IJIMT.2011.V2.111

The Role of Trust and Other Behavioral Intention Determinants on Intention toward Using Internet Banking

Ebrahim Esmaili, Mohammad Ishak Desa, Hadi Moradi, Amin Hemmati

Abstract—Advances in telecommunication technologies have enables organizations such as banks and other financial institutions to offer more online services to their customers. Internet banking is one of such services that many banks have been venturing into with large investment. However, studies show that the adoption and usage by customers in some countries are very low. This paper presents the result of a study at Iranian National Bank, to investigate the determinants of behavioral intention of the bank’s customers towards using internet banking. Survey data have been gathered from 237 respondents and the multiple regression and sub group correlation analyses have been conducted. The result shows that perceived ease of use, social influence, perceived usefulness and attitude toward using have direct and positive effects on people behavioral intention. On the other hand trust has only moderate role on relationship between social influence and intention toward using.

Index Terms—internet banking, trust, behavioral intention, perception.

Ebrahim Esmaili is PhD candidate at the Faculty of Computer Science and Information Systems, Universiti Teknologi Malaysia, 81310, Skudai, Johor, Malaysia (corresponding author phone: +60177374695; e-mail: eebrahim2@live.utm.my).
Mohammad Ishak Desa is a professor at the Faculty of Computer Science and Information Systems, Universiti Teknologi Malaysia, 81310, Skudai,Johor, Malaysia (mishak@utm.my).
Hadi Moradi and Amin Hemmati are PhD candidates at the Faculty of Economic and Management Sciences, Semnan University, Semnan, Iran(h_moradi@semnan.ac.ir).

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Cite: Ebrahim Esmaili, Mohammad Ishak Desa, Hadi Moradi, Amin Hemmati, " The Role of Trust and Other Behavioral Intention Determinants on Intention toward Using Internet Banking," International Journal of Innovation, Management and Technology vol. 2, no. 1, pp. 95-100, 2011.

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