THE EFFECTS OF FACTORS ON CUSTOMERS’ ATTITUDE TOWARDS ACCEPTANCE OF INTERNET BANKING IN BHUTAN

The aim of this study is to identify the factors that can predict customers’ adoption of Internet banking in Bhutan. A survey questionnaire was designed and used to collect data from banks’ customers and obtained 273 usable responses. The results of this study have shown that the perceived usefulness and social influence has the highest significant effects on customer attitude to accept Internet banking in Bhutan. Besides, security and perceived ease of use also affects the customers’ attitude towards acceptance of Internet banking. The findings of this study are discussed and implications for future research are presented.