A Study on User Behavior and Acceptance of Electronic Banking Services

This paper presents a study which investigates user behavior towards electronic banking (e-banking) and particularly in internet banking based on behavioral theoretical models and scales such as the theory of planned behavior (TPB), the diffusion of innovations theory, the technology acceptance model (TAM) and Kirton’s adaptor-innovator scale (KAI). In this study, behavioral and personality patterns lead to certain hypothesis regarding adoption towards internet banking. In addition, we categorize the most important factors affecting e-banking and propose the use of dependencies among different factors within the e-banking infrastructure in order to assess potential impacts and risks.