“…According to the review of literature pertaining to the TRA and previous researches related to banking systems, it is clear that consumer's intention to perform an actual behaviour is jointly determined by two factors; namely, attitude toward the actual behaviour and subjective norm. In line with this, many studies have found a positive relationship between consumer's attitude and behavioural intention, (Hyllegard et al, 2009;Kim, 2008;Lee et al, 2011;Leonard, 2012;Prendergast et al, 2008;Tarkiainen and Sundqvist, 2005). In this context, attitude actually relates to the behavioural intention as individuals form intentions to perform behaviours toward which they are positively oriented.…”