Identification and Analysis of Factors Affecting Adoption of Internet Banking Services

The Unified Theory of Acceptance and Use of Technology (UTAUT) as one of the newest well-established theory in technology acceptance context is yielded from integration of constructs belonging to eight important applicable models in the area of technology acceptance researches. In this paper, it has been tried to study internet banking acceptance by UTAUT with emphasis on mediatory role of gender. For hypotheses analysis, we have used data collected over 349 customers of BMI (Bank Melli Iran) in Tehran city of Iran. The results of data analysis from path analysis method (structural equation modeling) by LISREL software show that all three constructs including performance-related expectancy, try-related expectancy and social influences have significant relationships with customer's behavioral intention to use internet banking. There are significant relationships between facilitating conditions and behavioral intention with actual usage of internet banking, as well as. The effect of gender, as a mediator construct, on the existing relationships in research model has been confirmed.