The study explored the effect of different factors affecting attitude formation towards Internet banking (online banking) in Finland. The purpose of this paper is to determine those factors that influence the formation of attitude towards Internet banking on the one hand, and their relation to...

Purpose – The purpose of this paper is to attempt to introduce a new approach to User's Informational‐Based Readiness (UIBR) for investigating the acceptance of marketing innovations such as Internet Banking (IB) services. Design/methodology/approach – The UIBR construct involves four...

Finland is a world leader in electronic banking, and over 39.8 percent of all retail banking transactions were made over the Internet in August 2000. Using the data of a large survey, we analyzed mature customers’ Internet banking behavior. Internet banking was the third popular mode of...

The Unified Theory of Acceptance and Use of Technology (UTAUT) is a fairly developed model. Like any model, however, it has limitations, mainly in its relationship between the intention and use behavior. This paper will attempt to explain the influence of external factors that potentially...