An Integrated Model of Customers’ Characteristics and their Perceptions on Internet Banking Use
Abstract
Despite the rapid increase of Internet users and cited benefits of using Internet banking, the number of Internet banking
users has not risen as strongly as expected. In order to understand this issue, it is critical to understand the types of
individuals who use Internet banking and how their personal characteristics and perceptions influence Internet banking
use. In this study, we propose an integrated research model, which incorporates a set of individual personality traits as
described by the Five-Factor Model (FFM) and factors that influence individual user’s perception toward Internet
banking. The proposed model provides important contributions to the information technology (IT) adoption and Internet
banking research.