A model that incorporates both stable and dynamic individual differences to the nomological net of the Technology Acceptance Model (TAM) in the context of computer user training is proposed. A study using 348 completed surveys from University students engaged in computer training found that stable traits (Negative Affects, Trait Anxiety and Personal Innovativeness in IT (PIIT)) explained 35% of variance in Computer Anxiety (CA). Significant support to the model provides evidence that stable individual differences are antecedents to and predict both Computer Self Efficacy and CA. In addition, the model demonstrates the relationship of these determinants to the TAM.