Extending Technology Acceptance Model (TAM) to Investigate the Factors Affecting the Behavioral Intention of Internet Banking in Turkey

Abstract

The purpose of this study is to investigate the factors affecting the behavioral intention of internet banking (I-BNKNG) in Turkey. In this study, users' adoption of I-BNKNG will be examined with Technology Acceptance Model and newly added variables. The data obtained from 441 I-BNKNG users by the survey method are analyzed with the structural equation model. According to the results of the study, perceived credibility, self-efficacy and compatibility affect perceived ease of use (PEA) and perceived usefulness (PUS). In addition, the study reveals both the relationship between PEA and PUS and the result that PEA and PUS impacts satisfaction. Finally, PEA, PUS and satisfaction are the main determinants of behavioral intention in I-BNKNG.