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A key objective of information technology (IT) research is to assess the value of technology for users and to understand the factors that ascertain this value in order to better deploy IT resources. A variety of new models are developed to understand the users’ IT behavior; it seems reasonable to examine if the existing models of users’ behavior will still apply. This paper uses structural equation modeling to test if three popular models of users’ behavior —theory of reasoned action (TRA), theory of planned behavior (TPB), and technology acceptance model (TAM) — can be applied in the internet banking context. The purpose is to understand better the capacity of these theories to predict and explain objectively measured behavior. Unlike other tests of these models, this paper employs independent measures of actual behavior as well as behavioral intention. The results indicate that the TAM is superior to the other models and also shows the importance of trust in understanding the internet banking behavior.