Survey items
| Construct | Indicator |
|---|---|
| Perceived ease of use (PEOU) | |
| Using the internet banking service is easy for me | |
| I find my interaction with the internet banking services clear and understandable | |
| It is easy for me to become skillful in the use of the internet banking services | |
| Overall, I find the use of the internet banking services easy | |
| Perceived usefulness (PUSE) | |
| Using the internet banking would enable me to accomplish my tasks more quickly | |
| Using the internet banking would make it easier for me to carry out my tasks | |
| I would find the internet banking useful | |
| Overall, I would find using the internet banking to be advantageous | |
| Perceived security (PSEC) | |
| I would feel secure sending sensitive information across the internet banking | |
| The internet banking is a secure means through which to send sensitive information | |
| I would feel totally safe providing sensitive information about myself over the internet banking | |
| Overall, the internet banking is a safe place to transmit sensitive information | |
| Self-efficacy (SELF) | |
| I am confident of using internet banking if I have built-in online “help” function for assistance | |
| I am confident of using internet banking even if have only the online instructions for reference | |
| I am confident of using internet banking if I could call someone for help if I got stuck | |
| Awareness of internet banking services (AWRN) | |
| I receive enough information about what internet banking services are out there | |
| I receive enough information about the benefits of internet banking | |
| I receive enough information of how to use internet banking | |
| I never received information about internet banking from the bank | |
| PC availability/facilitating conditions (PCAV) | |
| I have the resources necessary to use internet banking transactions | |
| I have the knowledge necessary to use internet banking transactions | |
| internet banking is compatible with other systems I use | |
| Resistant to technology (RETT) | |
| I am interested to hear about new technological developments | |
| Technological developments have enhanced our lives | |
| I feel comfortable in changing and using internet banking services for my financial activities | |
| I like to experiment with new technologies such as internet banking services | |
| Perceived of price (POPR) | |
| You would be charged more to use internet banking transactions | |
| Network connection fees for internet banking transactions are expensive | |
| Extra services charged for internet banking transactions is expensive | |
| internet banking transactions expenses are burdens for you | |
| Total costs to perform internet banking transactions are more expensive than via other channels | |
| Attitude (ATTD) | |
| I think that using internet banking is a good idea | |
| I think that using internet banking for financial transactions would be a wise idea | |
| I think that using internet banking is pleasant | |
| In my opinion, it is desirable to use internet banking | |
| Intention (INTN) | |
| I intend to continue using internet banking in the future | |
| I will recommend others to use internet banking | |
| I would always prefer e-banking | |
| I am satisfied with advantages that internet banking usage brings | |
| Actual use of e-banking (AUSE) | |
| I use internet banking often | |
| I use internet banking more frequently than classic banking | |
| I use internet banking as main way of using banking services | |
| Construct | Indicator |
|---|---|
| Using the internet banking service is easy for me | |
| I find my interaction with the internet banking services clear and understandable | |
| It is easy for me to become skillful in the use of the internet banking services | |
| Overall, I find the use of the internet banking services easy | |
| Using the internet banking would enable me to accomplish my tasks more quickly | |
| Using the internet banking would make it easier for me to carry out my tasks | |
| I would find the internet banking useful | |
| Overall, I would find using the internet banking to be advantageous | |
| I would feel secure sending sensitive information across the internet banking | |
| The internet banking is a secure means through which to send sensitive information | |
| I would feel totally safe providing sensitive information about myself over the internet banking | |
| Overall, the internet banking is a safe place to transmit sensitive information | |
| I am confident of using internet banking if I have built-in online “help” function for assistance | |
| I am confident of using internet banking even if have only the online instructions for reference | |
| I am confident of using internet banking if I could call someone for help if I got stuck | |
| I receive enough information about what internet banking services are out there | |
| I receive enough information about the benefits of internet banking | |
| I receive enough information of how to use internet banking | |
| I never received information about internet banking from the bank | |
| I have the resources necessary to use internet banking transactions | |
| I have the knowledge necessary to use internet banking transactions | |
| internet banking is compatible with other systems I use | |
| I am interested to hear about new technological developments | |
| Technological developments have enhanced our lives | |
| I feel comfortable in changing and using internet banking services for my financial activities | |
| I like to experiment with new technologies such as internet banking services | |
| You would be charged more to use internet banking transactions | |
| Network connection fees for internet banking transactions are expensive | |
| Extra services charged for internet banking transactions is expensive | |
| internet banking transactions expenses are burdens for you | |
| Total costs to perform internet banking transactions are more expensive than via other channels | |
| I think that using internet banking is a good idea | |
| I think that using internet banking for financial transactions would be a wise idea | |
| I think that using internet banking is pleasant | |
| In my opinion, it is desirable to use internet banking | |
| I intend to continue using internet banking in the future | |
| I will recommend others to use internet banking | |
| I would always prefer e-banking | |
| I am satisfied with advantages that internet banking usage brings | |
| I use internet banking often | |
| I use internet banking more frequently than classic banking | |
| I use internet banking as main way of using banking services | |
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