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Factors Influencing Users' Acceptance in Internet Banking Success: Proposing a Unified Model

The highly accelerated growing of electronic banking such as Internet banking has already become one of the most prominent examples of electronic commerce success in Internet-based application. Many previous studies had noted that satisfaction, loyalty, commitment, and trust are very important elements in online banking success and consumer reluctance to make decisions to accept and to adopt e- commerce has annotated to the role of trust, security and privacy in commerce systems. This study is to propose an extendedly unified framework based on DeLone and McLean IS Success Model and Trust- Commitment Theory. The study provides a literary and a comprehensive framework as the result for the formation of consumers' usage decisions and relational building behaviors towards Internet-based banking services within several countries.