| Summary: | This paper tests a model of Internet banking adoption, giving insight into issues that banks
consider when adopting the Internet as a delivery channel. It also reveals how a bank's perception
of these issues is related to the intent to adopt. The study has two parts. The qualitative study
involved literature review and interviews with bank executives, leading to the identification of
several potential decision factors and the formation of a tentative adoption model. The
quantitative research validated the proposed model by conducting a comprehensive survey
targeted at senior bank executives in North America. The result has shown that the adoption
decision was mainly determined by various issues such as strategic motivation, the perceived
value of Internet banking, customer demand, environmental influences, and operational context.
However, only a few of them are able to discriminate the level of adoption intent among banks.
Keywords: Adoption of IT, Internet Banking, Decision Model, Empirical Study, Literature
Review, Theory of Planned Behavior, Factor Analysis, Discriminant Analysis.
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