An investigation of factors that affect internet banking usage based on structural equation modeling

Nowadays, banks get an opportunity of serving to their customers without the restriction of location and time, thanks to internet. But some customers still do not use it, because of different reasons. In order to understand this problem a structural equation model of Internet banking use in Dokuz Eylul University's academicians was developed. A survey instrument was used to gather data to estimate the proposed research model. The results show that “Benefits of Internet Banking”, “Communication” and “Convenience” significantly influence customers' Internet banking use. Overall, the model helps to increase our understanding of how these factors interact to influence Internet banking use, which can help in the design of Internet banking.