Abstract:

This study aims to make a contribution to Information System (IS) diffusion research by highlighting the basic characteristics of an innovation that correlate with its diffusion and extending the applicability of existing literature to the Internet banking field. This study identifies the main dimensions of Internet Banking adoption from the perception of Bank customers. Based on survey research using a data set of 369 bank customers, factor analysis and regression, were utilized and the results revealed that only four out of the five predetermined variables of Rogers’s theory were statistically extracted and only three variable were found significantly related to the attitude. Our findings indicate that the key dimensions that influence the IB adoption are relative advantage combined with compatibility and EOU while observability and trialability are not. Our findings help both bankers and policy makers in developing countries to understand how to enhance IB adoption and how to weaken the influence of the factors that negatively effect the IB customers adoption.