Abstract: “Understanding the primary determinants of internet banking (IB) adoption has become crucial both for banks and clients. The factors that influence the use of this technology in Turkey were discussed within the framework of a widely used model; Technology Acceptance Model (TAM). Trust and self-efficacy were added as external variables to improve the strength of the modified model. We designed a questionnaire and used it to survey randomly selected sample of active IB users in Istanbul. It was collected 469 valid responses. The inner relationships between all variables were examined. It was found that the perceived usefulness, perceived ease of use, and self-efficacy have a positive and strong association with the intention to use IB services. This study contributes the literature by validating TAM to predict IB adoption, and the findings would encourage designing innovative marketing and management banking strategies.”

Keywords: internet banking, technology acceptance model, trust, self-efficacy, adoption