Conceptualizing the key factors influencing Internet banking adoption among young adults

The emergence of the Internet has transformed the ways banking services are delivered in the 21
^st
century. It is crucial for the banks to know their customers' mindset well in order to deliver their services efficiently. Hence, this paper discussed the key determinants Internet banking adoption among young adults. This group of users happens to be the major target by banks when it comes to Internet banking services. The conceptual framework for this study is based on the extended Technology Acceptance Model (TAM) with six independent variables, which are perceived ease of use, perceived usefulness, relative advantage, self-efficacy, perceived credibility and trialability. This study would provide critical information on how to manage Internet banking services effectively based on what consumers consider important. In addition, this paper would also be useful for enabling literature development in the subject area for future research.