Determinants of the Intention to Use Internet Banking

Abstract

The rapid development of internet and electronic business has stimulated the banking sector towards offering its services online.
This paper examines the determinants of the individual’s intention to use internet banking. While there has been considerable
research on the technology acceptance model (TAM) that predicts whether individuals will accept to use information system, the
research variables are developed based on an extended ( TAM ), by incorporating two additional variables “ perceived trust “ and “
perceived self-efficacy”.The data was collected from 332 persons in Algeria through questionnaire. The hypotheses were tested using
multiple linear regression to determine the effect of the variables on the intention to use internet banking. The results revealed that “
perceived usefulness “, perceived ease to use “ and “ perceived trust “ have positive significant effect, while “ perceived self-efficacy “
have no effect on the Algerians’ intention to use internet banking. They revealed also that “perceived trust” has more influence on the
intention to use internet banking than the other variables. A number of recommendations