Background: In today’s dynamic environment, electronic banking and electronic commerce have become an inevitable aspect of financial services, so the question of acceptance and use of this kind of technology arises.Objectives: The aim of this research is to determine whether the motivation for using the Internet banking in the city of Split, Croatia, can be explained by perceived ease of use and perceived usefulness as the main elements of the technology acceptance model.Methods/Approach: For the purposes of the research, a survey analysis was applied to the sample of 282 working residents of Split. The gender and age structure of the sample was harmonized with the population to make the results more credible. In order to test the research hypothesis, logistic regression models were used.Results: The results confirmed that both elements of the technology acceptance model significantly influence the acceptance of the Internet banking in the city of Split.Conclusions: It is concluded that demographic and economic characteristics and perception of individuals affect the acceptance and use of the Internet banking in the city of Split. The results showed that both elements of the technology acceptance model influence the acceptance of the Internet banking.

Electronic banking and electronic commerce have lately become an inevitable aspect of financial services. According to data about the percentage of users of Internet banking in Europe, Croatia is at the bottom of the list, with a low number of users. Thus, the question of the acceptance and use of this kind of technology arises. This research uses structural equation modeling to explore whether the motivation for the acceptance and use of Internet banking can be explained by the technology acceptance model (TAM) in the city of Split, Croatia. TAM explains the intent of using information systems through the perceived ease of use and the perceived usefulness of a system. It consists of multiple causal relationships, so structural equation modeling is adequate for hypothesis testing. A survey analysis was designed and applied on a sample of 282 working residents of Split. To make the results more credible, the gender and age structure of the sample was harmonized with the population. It is concluded that both elements of TAM positively influence the acceptance of Internet banking in Split. Since there is not much research on the use of Internet banking in Croatia and Southeast Europe, this research contributes to the poor amount of literature in this scientific area for these countries. The research findings can also help banks to understand the factors of Internet banking acceptance and to develop expansion strategies. Future research could include a crosscountry comparison of individuals' perception about Internet banking, as well as the dependence relationships of TAM factors.