




































American Finance & Banking Review; Vol. 3, No. 1; 2018 

ISSN 2576-1226    E-ISSN 2576-1234 

Impact Factor: 4.1 

Published by Centre for Research on Islamic Banking & Finance and Business   
 
 

35 

Factors that Influence the Adoptions of Internet Banking Among 

Customers 
 

Muhammad Azimulhakim Bin Haji Saman 

Master Student 

Faculty of Islamic Economics and Finance 

Islamic University of Sultan Sharif Ali 

Negara Brunei Darussalam 

Email: azimul2093@gmail.com 

 

 

Received: December 5, 2018          Accepted: December 11, 2018           Online Published: December 18, 2018 

 

 

Abstract 

Internet banking is the latest technology that has revolutionized the changes of banking and business systems 

around the world. However, arrival of technology has an impact on Internet banking and transforms from a 

traditional banking system to a very useful innovation technology. The purpose of this study is to analyze factors 

that have influenced users to use Internet banking in doing financial transaction. This study uses content analysis 

on the previous literatures. The findings showed that there were 10 main different factors which influence the 

adoption of internet banking by the users. This study also proved that the highest factors which consist of 2 main 

factors are generated from technology acceptance model (TAM). Contribution of this research are significantly 

helps bank to have a better understanding on factors that influence the adoption of internet banking as well as 

help to develop a strategy to improved internet banking services.  

 

Keywords: Customer’s Adoption, Influence Factors, Internet Banking. 

 

JEL Classification: G21; G40; I22; J16; O32; 035 

 

1. Introduction 

Technology has provided many benefits and facilities that have been affecting the banking sector and because of 

that banks have invested heavily in technology as its benefits contribute greatly to progress and provide faster 

banking services to customers (Heinonen 2006; Laukkanen 2007). In addition, internet technology has not only 

made substantial changes to the banking system but also improved business performance. 

In the era of globalization today, the advancement of internet technology has been fully utilized by many 

companies to influence their customers in applying what has been provided by a sector. However, it has become 

an important measure of the success or effectiveness of users' use of technology. The development of 

information and communication technology over the past 20 years has had a different impact on businesses and 

individuals. Therefore, internet banking is a technological innovation that plays an important role in changing the 

structure and nature of banking (Shazili et al, 2014). 

According to different perspectives, Mckechnie et.al (2006) & Mekter et.al (2003) have concluded that internet 

banking, Automatic Teller Machine (ATMs), an electronic business is one of the most popular forms of self-

service technology. However, although customers can see the benefits of using them, there are still users who 

refuse to use them if they are not comfortable applying them. This matter has been one of the factors that 

banking industry still has a problem in return for investment in technology as not all customers can receive 

internet banking. However, Melek et.al (2010) has stated that the majority of users can receive internet banking 

well, especially for educated people. Hence, Internet banking has been increasingly intensified for the sake of 

making use Internet banking thoroughly. 

The purpose of this study is to examine the factors that have influenced the user in using internet banking. This 

study helps identify the main factors that influence the adoption of internet banking. From theoretical 

perspectives, the result contributes to an existing literature where this article helps provide an amendment factor 

that may influence the customer to use internet banking. From a practical implications, this research is 

significantly contributes to banking sector or bank managers to have a better understandings toward internet 

banking as well as help banks to develop strategies to enhance Internet banking services and usage. The banks 

also able to specified certain budget on which factor should bank invest more so that the internet banking 

mailto:azimul2093@gmail.com


www.cribfb.com/journal/index.php/amfbr         American Finance & Banking Review       Vol. 3, No. 1; 2018   
 

36 
 

services are more likely able to use to all age categories and increase bank marketing especially on online 

services.  

The rest of the paper will discuss some definitions of internet banking as an explanation of the essence of this 

study. This study also highlight on demographic impacts that also play a role in influencing users to use internet 

banking. It addresses the user's ability to adapt internet banking before switching to the main issue of the study, 

which is the factor of encouraging users to apply internet banking. The discussion will be ended with conclusions 

and recommendations.  

2. Concepts of Internet banking 

Driga (2014) defines internet banking as an online banking online which uses a website that is a more advanced 

banking method, a system that allows bank customers to access accounts and find out general information about 

bank products and services directly through personal computers, mobile phones and others as delivery channels. 

According to Oliveira et.al (2014) says internet banking is an instance commerce that used through mobile 

device which enables the customer to adapt financial transaction through mobile. In addition, customers can 

access all their accounts via banking website and are allowed to run banking transactions such as bill payment, 

sale and purchase transaction and others. 

According to Maitlo (2015) internet banking is one of the conventional phases in bank services. Online banking 

allows banks to increase their operations by lowering cost rates more effectively to transform the traditional 

banking system into online banking. Shaikh & Karjaluoto (2015) states that internet banking is a product or 

service offered by bank or microfinance institutions that used to make transaction using an intelligent devices 

namely as mobile phone smartphones or tablet. In the current era, by using online banking, it can provide 

convenience in conducting banking transactions and easily obtain information related to transactions without 

having to go to a branch bank to conduct transactions such as seeing bank account balance, utility bill payment 

and so on. The majority of banks have introduced the electronic banking system as more advanced and 

information systems help customers interact well, quickly and easily. 

According to Pace (2016) internet banking is an online banking that allows its users to conduct several banking 

activities that are usually carried out on a banking factor and transactions conducted using the internet while 

according to Koksal (2016) says that internet banking is able to use in any kind of banking activities that carried 

out through mobile devices as a personal digital assistant. Thus, internet banking is also a platform that is often 

used for banking. Some types of services provided by the customer by the bank and show that anyone can make 

transactions such as financial entry or business anywhere they are either a computer or a mobile phone. 

3. The ability of users to adapt Internet banking 

The number of users with access to the Internet is one of the determinants of the level of use of internet banking 

services. Some issues related to user account security may also distract consumers from using the facilities 

available in Internet banking. It changes from social psychological and research aspects that differ from those in 

which the user feels more comfortable with the user relationship with the face-to-face banking expert. Therefore, 

users who seek social benefits and psychological benefits through their personal relationships with the banking 

community prefer to meet face-to-face with banking experts. But some users are able to apply internet banking 

as a renewal to the banking method. 

Reynolds & Betty (2000) states that social benefits and functions are acquired through personal relationships 

with banking experts, while according to some other research, the determination and assessment of these benefits 

affects the user's satisfaction and this is also an important factor in driving users and sees their ability to apply 

internet banking. According to some theorists, consumer satisfaction has an impact and impact on user retrieval 

and acceptance rates on every newly introduced and innovative tool such as Internet banking application. 

According to Roger & Shoemaker (1971) states that consumers prefer to collect knowledge and information 

about innovative products and services such as internet banking before using and adapting them. Guiltinard & 

Donnelly (1983) explains the importance of awareness and knowledge related to any innovative products and 

services before using and adapting them.  

Doll, Xia & Torkzadeh (1999) argues that consumer satisfaction may be influenced by the nature and quality of 

information about the products displayed on the website. According to Steward (1999), among the failures in 

adapting Internet banking is due to the lack of customer confidence in internet banking. He thinks that consumer 

confidence and trust towards internet banking depends on the professional attitude and efficiency of banking 

experts. However, he advises consumers to develop new skills and expertise such as internet banking to enable 

users to understand and utilize and utilize the latest technological innovations. 

According to Zaman (2016) states that research has been conducted in China related to the behavior and attitude 

of consumers towards internet banking. He concluded that there are several factors that demonstrate consumer 

attitudes towards internet banking including their perceptions of innovative technology, attitudes and motivation 

towards internet banking. The study found that knowledge and experience on relevant technology had an 

effective impact on the behavior and ability of users of internet banking. According to Octavian & Daniela 

(2006) and Omar (2011) find that some users are unaware of internet banking services. However, banking users 



www.cribfb.com/journal/index.php/amfbr         American Finance & Banking Review       Vol. 3, No. 1; 2018   
 

37 
 

may use internet banking for the willingness to accept change and innovation and appreciate what bank had 

given. 

4. Demographics Impact on the use of Internet banking 

Users’ demographic characters are one thing that also plays an important role in seeing factors that encourage 

users to adapt and use internet banking. According to previous studies, Demographics have impacted the use of 

internet banking. According to Howcroft et.al (2002), young consumers appreciate the convenience and time that 

saves the potential of online banking and mobile banking over older users. He argues that the level of 

respondents' education does not affect the use of internet banking. Laukkanen (2012), Capgemini (2013), Goh 

et.al (2014) found that younger, smarter users of technology placed higher importance on internet banking than 

traditional banking conducted face-to-face with banking experts. Karjaluoto et.al (2002) found that internet 

banking user criteria in the Finland market is educated, rich and young people and has good knowledge of 

computers, especially the internet. 

Xiaoyan (2005) found that the majority of internet banking users in China is from men aged up to 44 years old 

and categorized from high-income groups. He argues that the level of respondents' education does not affect the 

use of internet banking in China. According to Crabble et.al (2009), demographic factors play an important role 

in making decisions on internet banking adaptation. They point out that social and cultural factors such as 

credibility, elitism and demographic factors are factors that affect individuals who make decisions on the use of 

Internet banking in Ghana. Davis (1989); Venkatesh & Davis (1996); Vainio (2006) states that respondents who 

are influenced by facilitation do not need much knowledge. Mobarek (2007) states that internet banking is more 

popular and chosen by young people. However, Polasik & Wisniewski (2008) emphasizes that parents aged 65 

and above are not interested and refuse to accept internet banking. 

The results of the analysis have shown that some of the surveys described by Teo et.al (2011) reveal that 

demographics and psychographics affect users to the use of technology as new innovations such as internet 

banking applications. In addition, analysis is conducted on demographic effects in the use of internet banking. 

Teo et.al (2012) also addresses demographic factors and subjective norms with technology adoption model 

(Technology Acceptance Model) founded by Fred Davis in 1989 to assess the level of adaptation of internet 

banking usage in Malaysia and proved that the model exists relates to the adaptation of the use of internet 

banking in Malaysia. 

Goswani (2009) states that university students acquiring and using sophisticated cell phone equipment proved to 

be very interested in innovative use such as internet banking used by mobile phones. Similarly, reports from 

KPMG (2009) show that users aged 16-34 are the most comfortable age categories of internet banking especially 

through mobile phones for financial transactions and others while the 65-year-old respondents demographic 

proves that they are very uncomfortable with the use of Internet banking. 

5. Factor that Influence the adoption of Internet banking 

Jahangir & Begum (2008) states that there are four identified factors that have influenced users in applying 

internet banking in Bangladesh. These factors include the perceived usefulness, perceived ease of use, privacy & 

safety and individual characteristics which have significantly contributed to the user's use of internet banking. 

According to Polatoglu & Ekin (2001) find that relative advantages, perceived risk and trialability where 

customer want to try a new services from the banks are factors that have influenced the spread and use of 

Internet banking in Turkey. The researcher also concludes that users using internet banking find that the banking 

is very helpful and facilitates users in conducting banking transactions. 

According to Yousafzai (2005) states that there are many factors that have influenced users in adapting the use of 

internet banking. Among the factors that have prompted users to adopt Internet banking are perceived ease of 

use, perceived usefulness, perceived risk, perceived trust, privacy & security and the behavior of users 

themselves want to apply for banking internet. According to Eriksson et.al (2005) the results of his analysis have 

proven that there are three factors that encourage consumers to choose Internet banking. Where perceived ease of 

use, perceived usefulness and trust have been the major factors affecting users choosing internet banking. 

According to Ramayah et.al (2006) found that the majority of consumers have been influenced by two major 

factors which prompted them not to use internet banking to use it. The factors that motivate them are the 

perceived usefulness and the behavior of their own users who take them to use the Internet banking. 

Cheng et.al (2006) expands the Technology Acceptance Model to incorporate site safety factors considered to 

obtain factors that have influenced the use of internet banking in Hong Kong. His analysis shows that the 

intention to apply internet banking is influenced by perceived usefulness and web security. The results also show 

indirect effects on convenience factors that bring benefits to the use of internet banking. 

Pikkarainen et.al (2004) uses a traditional Technology Acceptance Model founded by Fred Davis in 1989 and 

states that perceived ease of use and perceived usefulness are added with the privacy and security aspects of 

became an important factor related to the acceptance of Internet banking in Finland. Lin (2010) states that 

relative advantages, perceived ease of use, compatibility and integrity channels where acceptance of customer to 

change banking method that suggested by banks have influenced the decision to adopt internet banking services. 



www.cribfb.com/journal/index.php/amfbr         American Finance & Banking Review       Vol. 3, No. 1; 2018   
 

38 
 

In addition, Lee (2009) reports that the desire to use internet banking can be affected if privacy and security risks 

are positively affected positively can impact the benefits of internet banking acceptance. Uchenna et.al (2011) 

says that customers are influence by 6 factors which includes perceived ease of use, perceived usefulness, trust, 

relative advantage, trailability and individual characteristics. According to Sazili et.al (2014) states that there are 

two main factors affecting the user's application of internet banking is from the aspect of trust and security 

aspect.  

Alex (2015) argues that there are a number of factors that have been expressed as factors that encourage 

consumers to choose internet banking but only two of the highest exemplary factors have influenced users to 

choose internet banking, perceived ease of use and privacy & security. Ahmed (2016) says that perceived ease of 

use and usefulness plays an important role on influencing customer to use internet banking. He also states that a 

well-managed risk also helps attract customer to use internet banking.  

Meanwhile, according to Zaman (2016) states that there are four factors that have influenced the consumers 

choosing Internet banking in Pakistan. These factors include perceived ease of use, perceived usefulness, 

perceptions towards risk and beliefs. Amola (2016) says that perceived ease of use is the critical factor that may 

influence customer to use internet banking as well as customer awareness towards internet banking also able to 

influence customer to use online services. According to Vasiliki (2017) proved that customers are influenced by 

two factor which is perceived usefulness and compatibility where customers are aware that internet banking 

gives variety of benefits and compatible to any kind of customers either retail or corporate customers. Table 1.0 

shows the literature analysis on factors that influence the adoption of internet banking. 

 

Table 1.Literature analysis on factor that influence the adoption of Internet banking 

Research 

Analysis 

 

Factor that Influence the Adoption of Internet Banking 

F1 F2 F3 F4 F5 F6 F7 F8 F9 F10 

Polatoglu & Ekin (2001)  / /   /   /  

Pikkarainen et.al (2004) / /   /      

Yousafzai (2005) / / / / /     / 

Eriksson et.al (2005) / /  /       

Ramayah et.al (2006) /         / 

Cheng et.al (2006) / /   /      

Jahangir & Begum (2008) / /   /     / 

Lee (2009) /  /  /      

Lewis et.al (2010) /  / /       

Lin (2010)  /     / /   

Uchenna et.al (2011) / /  /  /   / / 

Perkins (2013) / /  / /      

Shazili et.al (2014)    / /      

Alex (2015)  /   /      

Ahmed (2016) / / /        

Sohaib (2016) / / / /       

Amola (2016) /          

Vasiliki (2017) /      /    

Total 14 12 6 7 8 2 2 1 2 4 

 

This table above has listed a literature analysis from year 2001 until a recent 2017 regarding on factor that 

influence the adoption of internet banking. F1 means perceived usefulness, F2 means perceived usefulness, F3 

means perceived risk, F4 means trust, F5 means privacy and security, F6 means relative advantage, F7 means 

compatibility, F8 means integrity channels, F9 means trialability and F10 means Individual characteristics. 

According to the researcher, there are 10 main factors that influence customers to use internet banking because 

Internet banking provides many facilities and benefits to consumers in conducting financial transactions. With 

the ease of technology, consumers can run financial transactions easily and quickly. Overall, the majority of 

literature proved the factors that drive users to choose Internet banking are consisted of perceived usefulness and 

ease of use factors. Both of these factors are factors originated from the theory of technology acceptance model 

founded by Fred Davis in 1989 and yet still proved able to influence customer to use internet banking.  

6.Conclusion 
This literature reviews has proven that there are 10 main factors that encourage users to apply internet banking. 

The study found that there were two major factors that greatly affected the users of internet banking. Perceived 

ease of use and usefulness has positively affected the acceptance of internet banking. This may be related to the 



www.cribfb.com/journal/index.php/amfbr         American Finance & Banking Review       Vol. 3, No. 1; 2018   
 

39 
 

fact that the majority of respondents who interested in internet banking are also among young adults who tend to 

be more exposed on internet than respondents of other age categories. The fact is also proved that there is a 

demographic impact that encourages consumers to choose internet banking. The results of this literature study 

also point out that the perceived usefulness is also one of the highest factors that have affected users using 

internet banking. The perception of the benefits and uses of this factor is an assessment of how far someone 

believes that certain system applications can improve the performance of a job. The findings show that 

respondents are interested in the advantages of the system and offer for relative advantages to other systems 

because the advantages of the system can be used anytime and anywhere. Therefore, the results of this analysis 

proved that the theory of technology acceptance model founded by Davis plays an important role in encouraging 

consumers to apply internet banking. 

7. Recommendations 

Internet banking is a technology utilized in a worldwide banking system including Brunei Darussalam itself. In 

addition to emphasizing the issues that affect users in receiving internet banking, then any several issues that can 

be problematic should be addressed. Among the things that can be emphasized is conducting research on the 

ability of consumers to accept banking and the demographic continuity of the use of internet banking in Brunei 

Darussalam because previous research has proven that there is a demographic impact that affects consumers 

from receiving Internet banking. Suggestions for future researchers are also to conduct an analysis of the user's 

ability to avoid from using internet banking. The next researcher can also relate the age level and education 

background to see the demographic gap that differentiates the level of consumer applications that choose internet 

banking and which avoids internet banking. 

References 

Ahmed, E.M. (2016). Factor that Influencing the Adoption of Internet Banking in Malaysia. Journal of Internet 

Banking and Commerce. 21(1). 1–28. 

Bhatt, A. (2016). Factor affecting Customers’ adoption of Mobile banking services. Journal of Internet Banking 

and Commerce. 22(1). 

________ (2013). Consumer taking charge, consumer and convergence III. KPMG International. 

Capgemini. (2013). World retail banking report. European Financial Management and marketing association. 

Cheng T, et.al. (2006). Examination of attitudes towards teaching online courses based on theory of Reasoned 

Action of University faculty in Taiwan. British Journal of Educational Technology. 683–693. 

Crabble, M., Standing, C., Standing S. & Karjaluoto H. (2009). An Adoption model for mobile banking in 

Ghana. International Journal of Mobile Communication. 7(1). 515 – 543. 

Doll, W.J., Xia W. & Torkzadeh G. (1994). A confirmatory factor analysis of the end-user computing 

satisfaction instrument. Mis Quarterly. 453 – 461. 

Driga I. (2014). E-Banking services: Features, challenges and benefits. International Journal of Internet banking 

and commerce. 49-58. 

Eriksson, K., Kerem K. & Nilsson D. (2008). The adoption of commercial innovations in the former Central and 

Eastern European markets. The case of internet banking in Estonia. International Journal of Bank 

Marketing. 26 (3). 154-69. 

Fred, D. (1989). Perceived Usefulness, Perceived Ease of Use and user acceptance of Information Technology. 

MIS Quartely. 319-340. 

Goh, T.T., Suki, N.M. & Fam K. (2014). Exploring a consumption value model for Islamic mobile banking 

adoption. Journal of Islamic Marketing. 5(1). 344 – 365. 

Guiltinand, J.P & Donnelly, J.H. (1983). The use of product portfolio analysis in bank marketing planning. 

Management issues for financial institutions 50. 

Heinonen, K. (2007). Conceptualizing Online banking service value. Journal of Financial services marketing. 

39-52. 

Howcroft, B., Hamilton & Hewer P. (2002). Consumer attitude and the usage and adoption of home-based 

banking in the United Kingdom. International Journal of Bank Marketing. 20(1). 111 – 121. 

Jahangir, N. & Begum, N. (2008). The role of Perceived Usefulness, Perceived ease of Use, Security and Privacy 

and Customer attitude to engender adaptation in the context of Eletronic banking. African Journal of 

Business Management. 32 – 40. 

Karjaluoto, H., Matilla, M. & Pento, T. (2002). Factors underlying attitude formation towards online banking in 

Finland. International Journal of Bank Marketing. 20(1). 261 – 272.  

Koksal, M. H. (2016). The intentions of Lebanese Consumers to adopt mobile banking. International Journal of 

Bank Marketing. 34(3). 556-568.  

Laforet, S. & Xiaoyan, L. (2005). Consumers’ attitudes towards online and mobile banking in China. 

International Journal of Bank Marketing. 23(1). 362 – 380 



www.cribfb.com/journal/index.php/amfbr         American Finance & Banking Review       Vol. 3, No. 1; 2018   
 

40 
 

Laukkanen, T. & Cruz, P. (2012). Cultural, Individual and device-specific antecedents on mobile banking 

adoption: a Cross-national study. Proceedings of the 45th IEEE Hawaii International Conference on 

System Sciences (HCISS). Hawaii. 

Laukkanen, T. (2007). Internet vs Mobile Banking: Comparison customer value perception. Journal of Business 

process management. 788-797. 

Lee, M. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with 

perceived risk and perceived benefit. Electronic Commerce Research and Applications. 8(3). 130–141. 

Lin, H. F. (2010). An empirical Investigation of Mobile banking adaptations: The effect of Innovation attributes 

and Knowledge-based Trust. International Journal of Information and Management. 31(1). 252 – 260. 

Maitlo, G.M. et al. (2015). Factor that influence the adoption of Online banking services in Hyderadab. 

International Journal of Economics & Management Science. 1-10. 

McKechnie, S., Winklhofer,  H.  I. &  Ennew,  C.  (2006).  Applying  the  technology acceptance  model  to  the  

online  retailing  of  financial  services. International Journal of Retail and Distribution Management, 

34(4). 388-410.  

Mekter, et.al. (2003). Factor affecting the adoption of mobile banking services. Journal of Internet banking and 

Commerce. 8(1). 89 – 101. 

Melek, et.al. (2010). An Evaluation of Internet banking in Turkey. Journal of Internet banking and Commerce. 

15(2). 1–25. 

Mobarek, A. (2007). E-Banking practices and customer satisfaction: A case study in Botswana. Botswana. 

Octavian, D. & Daniela, P. (2006). The Adoption of Electronic Banking Services in Developing Countries - The 

Romanian Case. Journal of Internet banking and Commerce. 1–16. 

Oliveira, T. et.al. (2014). Extending the understanding of mobile banking adoption: When UTAUT meets TTF 

and ITM. International Journal of Bank Marketing. 34(5). 689-703. 

Omar, A. et.al. (2011). Customer Perception towards Online Banking Services:  Empirical  Evidence  from  

Pakistan.  Journal of Internet Banking and Commerce. 16(2).  

Pace, D. (2016). Customer's perceptions towards online banking services in Malta. Valleta, Malta: University of 

Malta. 

Peter, A. A. O. (2015). Factor affecting the adoption of Internet banking in Nigeria. E-theses. Eastern 

Mediterannean University Cyprus. 

Pikkarainen, et.al. (2004). Consumer acceptance of online banking: an extension of the Technology Acceptance 

Model. Journal of Internet Research. 14(1). 224 – 235. 

Polasik & Wisniewski, M. (2009). Empirical analysis of Internet banking adoption in Poland. International 

Journal of Bank marketing. 32-52. 

Polatoglu, V. N. & Ekin, S. (2001). An empirical Investigation of the Turkish consumers’ acceptance of Internet 

banking services. International Journalof Bank Marketing. 156 – 165. 

Raghavendran, G. (2009). Mobile banking: Can elephants and hippos tango? Journal of Business strategy. 14-

20. 

Ramayah et.al. (2006). User acceptance of Internet banking in Malaysia: Test of three computing Models. 

International Journal of E-adoption. 1(1). 1 – 19. 

Reynolds, K.E. & Beatty, S.E. (2000). A relationship customer typology. Journal of Retailing. 75(1). 509 – 523. 

Roger, E.M. & Shoemaker, F. (1971). Communication In Innovation. New York USA. Free Press. 

 Sazili, S. et.al. (2014). Factor that influence Internet banking adoption among Postgraduate students. 

International Journal of Innovative Research in computer science & Technology. 22-27. 

Shaikh, A. & Karjaluoto, H. (2016). Mobile banking adoption: A Literature review. Journal of Telematics and 

Informatics. 32(1). 129-142. 

Steward, K. J. (1999). Transference as a means of building trust in World Wide Web sites. 20th International 

conference proceedings on Informations Systems. 459 – 464. 

Teo, A. et al. (2012). Can the demographic and subjective norms influence the adoption of mobile banking? 

International Journal of Mobile Communication. 10(1). 578 – 597. 

Uchenna, C. E. et al (2011). Factors affecting Internet Banking adoption among Young Adults. International 

conference of Social Science and Humanity. 377 – 381.  

Vainio, H. M. (2006). Factor influencing corporate customers’ acceptance of Internet banking: A Case of 

Scandinavian trade finance. E-theses. The Swedish School of Economics and Business Administration. 

Vasiliki, K. (2017). Factor influencing the adoption of Internet banking in Greece. E-theses University of 

Greenwitch Greece. 

Venkatesh, V. & Davis, F. (1996). A model of antecedents of perceived ease of use: A Development and test. 

Journal of decision Science. 27. 451 – 481. 

Yousafzai. S. (2005). Customer behaviour towards Internet banking. Cardiff United Kingdom: Cardiff Business 

school Cardiff. 



www.cribfb.com/journal/index.php/amfbr         American Finance & Banking Review       Vol. 3, No. 1; 2018   
 

41 
 

Zaman, S. U. (2016). An Investigation into Prime Issues impeding the adoption of Internet banking in Pakistani 

firms and Organisations. Journal of Internet banking and Commerce. 1(1). 1 -14. 

 

 

Copyrights 

Copyright for this article is retained by the author(s), with first publication rights granted to the journal. 

This is an open-access article distributed under the terms and conditions of the Creative Commons Attribution   

license (http://creativecommons.org/licenses/by/4.0/) 


