Table 20 The study questionnaire

INO1

If I heard about a new IT I would look for a way to experience it.

INO2

Among my peers, I am usually the first to try out new information technology.

INO3

I like to experiment with new information technology.

INO4

In general, I’m interested in keeping up with the latest inventions.

PU1

Using internet banking gives me a greater control over my financial issues.

PU2

Using internet banking provides me with convenient access to my accounts.

PU3

Using internet banking saves my time and enables me to do my banking activity quickly.

PU4

Using internet banking saves my time and that reflects on my productivity to do my study tasks.

PU5

Using internet banking enables me to utilize the bank’s services efficiently.

PU6

Internet banking services are compatible with my life style.

PU7

In general, I find internet banking is useful for me.

SN1

People whose opinions I value think that internet banking is useful.

SN2

people who influence my behaviour think that I should use internet banking

SN3

I most likely tend to benefits from the others’ experience and their advice.

SN4

The others’ opinions motivate me to use internet banking.

SN5

People in my environment who use Internet banking services have a high profile

PEOU1

Learning how to use internet banking would be easy for me

PEOU2

I feel comfortable while using internet banking services.

PEOU3

Using internet banking services is easy for me.

PEOU4

I find all internet banking contents understandable.

PEOU5

I can use internet banking services without asking for help.

PEOU6

I think the easy use of the internet banking services makes it more useful.

R1

Internet banking services may not perform very well and cause problems with my credit.

R2

Internet banking server may not perform well and thus process payment incorrectly.

R3

There is a chance to lose money if I use internet banking services.

R4

Using internet banking to pay my bills may cause a sort of financial losses or problems.

R5

fixing payments errors after using internet banking may require a long time Thus reducing the convenience of these services

R6

I’m concerned regarding the privacy of my personal information while using internet banking services

R7

I am worried that third parties would steal my username and password.

R8

I think that the password generating and distributing process is well secured.

R9

I think that it would be risky if I use Internet banking

IN1

I intend to begin/continue using Internet banking in the future.

IN2

I predict that I will use or continue using Internet banking

IN3

I will frequently use Internet banking in the future

IN4

I will recommend others to use Internet banking.

IN5

I think that I will not use/continue using Internet banking in the future.