Internet banking is one of the bank services to do financial and non-financial transactions via an internet network. Internet banking provides consumers' benefits such as fast, safe, convenient, and inexpensive transactions. Moreover, the bank gains business expansion and customer loyalty as their own benefits. Internet banking usage is influenced by perceived usefulness, perceived ease of use, visibility, enjoyment, social influences, attitude toward using, behavioral intention, and actual usage. The study's purpose was to analyze these variables and formulate managerial implications in developing internet banking for the future. The study approach used the Technology Acceptance Model (TAM), which was tested by Structural Equation Modeling (SEM). The results showed five-factor relationships. First, the perceived ease of use had a significant influence on perceived usefulness. Second, the perceived usefulness was a significant toward the behavioral intention. Third, visibility and enjoyment had significant influence on attitude toward using. Fourth, the attitude toward using had significantly influenced behavioral intention. Five, the behavioral intention had significant toward actual usage. While the variable of visibility and enjoyment indirectly affected the actual usage.
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