Factors that influence the use and

This study investigates attitudes of banking customers in South Africatowards the adoption of Internet banking. A research framework based onthe diffusion of innovation theory was used to identify factors that wouldinfluence the adoption of Internet banking. This report has reviewedcurrent literature and opinions about this innovative banking technology. Ithas also reviewed the factors, including consumer demographiccharacteristics, consumer perceptions toward Internet bankingcharacteristics and social influences that affect use and adoption ofInternet banking.This study also explains the methodology used in conducting 325interviews to obtain primary information for this study. This study presentsboth the results of the 325 interviews and the analysis of these results,with graphs and figures to determine the extent that the factors studiedinfluence customer adoption of Internet banking. The hypotheses of thisresearch were tested with multiple linear regression analysis technique.The key findings revealed that demographic factors including age, income,education level and occupation have a relationship with the adoption ofInternet banking. Psychological factors including perceived relativeadvantage, perceived compatibility, perceived complexity, perceived risk,perceived cost and social influences were found to influence the adoptionof Internet banking. The theoretical contributions and the practicalimplications of the findings are discussed and suggestions for futureresearch are presented