A comparison of three models to explain internet banking behaviour

A key objective of information technology (IT) research is to assess the value of technology for users and to understand the factors that ascertain this value in order to better deploy IT resources. This paper uses structural equation modeling to test if three popular models -TRA, TPB and TAM-of users' behavior can be applied in the internet banking context. The purpose is to understand the capacity of these theories to predict and explain objectively measured behavior. Unlike other tests of these models, this paper employs independent measures of actual behavior and behavioural intention. The results indicate that technology acceptance model is superior to other models and also shows the importance of trust in understanding internet banking behaviour.