Internet Banking Internationally and in Greece. The Determinants of its Adoption.

resources Internet banking is a distribution channel, which is increasingly being adopted by bank customers worldwide. However, this channel has not yet been exploited by Greek bank customers as could have been. Greeks, together with other nations, have been rather laggard in adopting it as well as in using other innovations, such as the Internet, which is unbreakably connected with the use of Internet banking. Nevertheless, there are positive future prospects regarding the adoption of Internet banking, even in countries like Greece. The topic of Internet banking is gaining more and more the interest of researchers worldwide. In their effort to understand what affects the adoption of Internet banking, they have applied a large range of models in different countries and environments. A widely accepted model that has been proved to be facilitating research on adoption of Information Technology is Davis’s Technology Acceptance Model (TAM). TAM has been extensively applied in the context of Internet banking, either in its primary or in modified forms. A modified TAM is suggested in the present work too, as a tool to examine the adoption of Internet banking. More specifically, the proposed tool examines the direct or indirect influence of constructs of the original TAM, such as “perceived usefulness ” and “perceived ease of use”, along with that of later additions to the model (i.e. “perceived credibility”) or other contributive constructs (e.g. “innovativeness”, “satisfaction with banking channels”), on the bank customers ’ intentions towards the use of Internet banking. This model has been developed aiming to facilitate the investigation of web-experienced bank customers ’ intentions to adopt Internet banking