Abstract:

The purpose of this study was to analyse the adoption of internet banking(IB) among the working class and students in Gaborone. Two theoretical frameworks were incorporated to constructa conceptual IBA model. Constructs from TAM and three from IDT were combined to form this model. Using a quantitative research approach, a total of 89 respondents were researched. Out of the lot, 50% weremale internet users and 62.8% of females intended to use IB. Chi-square test results confirmed that PEOU, PU, and trust have significant influence on IBA.Demographics,awareness, compatibility constructs revealed very little effect on IBA. Based on these findings, it is proposed that bank managers in Gaborone create awareness about internet banking to their customers and also provide or increase resources to give these customers access to internet.