Internet commerce continues to grow rapidly and is expected to exceed $5 trillion in 2005. Nevertheless concern for information privacy has been identified as a major consideration constraining many from internet consumerism. Trust has also been identified as an antecedent to willingness/intent to transact, buy or purchase. This research seeks to specify and support a model that involves additional constructs such as familiarity, risk, quality of website, gender, peresonal innovativeness, discretionary income, age, and other factors in order to identify what factors and/or interactions are significant in determining whether a prospect intends to part with funds and become a customer. Data to be gathered with online survey and analyzed using regression.