Abstract:

Despite the increasing application of Internet among banks in the UAE, the level of acceptance of Internet banking among consumers and factors influencing consumer acceptance remains understudied. Built upon the widely used Technology Acceptance Model (TAM), this study aims to extend it by accommodating the factors that are relevant to Internet banking acceptance in the UAE, i.e, security, image, convenience and computer self-efficacy. The research model was validated with a survey study involving 183 Internet banking users and the results provided support for the extended TAM model. Both theoretical and practical implications are discussed.