Analysis of Factors Affecting the Adoption of Internet Banking. Case Study:Customers of Mellat Bank in Isfahan City

The growth in the use of the Internet as a distribution channel of products and services offered by various businesses has been phenomenal. One such application is Internet banking services. As more and more financial institutions are finding ways to utilize Internet technologies to launch Internet banking services, an important issue is to understand what factors will impact the decisions of customers in adopting the service. The aim of this study is to analysis the factors affecting the acceptance of Internet banking at Mellat bank branches in Isfahan city. For this purpose we have used the modified model of technology acceptance model (TAM).The findings show that, acceptance of Internet banking mainly affected by trust, perceived ease of use, perceived usefulness, and attitude and tend to use.