شناسایی عوامل موثر بر پذیرش بانکداری اینترنتی

Changes arising from E-banking expanding in banking system, the existing difficulties in relation to E-banking services usage and lack of tendency in some customers and even bank employees to use these services, have caused bank system managers to explore effective factors on internet banking adop-tion by customers. The purpose of this research is the inspection of factors influencing adoption of internet banking by customers. Descriptive- survey is the methodology of this study and simple random sampling was applied. We also used structural equation modeling (SEM) and multiple regressions for data analyzing. Results indicated that attitude, behavioral control and Subjective norm had the most effects on internet banking adoption by bank-ing system customers. These factors explained approximately 33% of factors influencing on internet banking adoption. Customary models used in past studies, explained averagely 37% of factors influencing on internet banking adoption.