THE ADOPTION AND USE OF PERSONAL INTERNET BANKING SERVICES IN THAILAND

Based on existing theory and previous studies a theoretical model of the important variables that affect the adoption and use of personal Internet Banking services is developed. Using data collected by questionnaire from 618 respondents the theoretical model is analyzed and simplified using structural equation modeling techniques. The findings represented in the final model are: interpreted; compared to the findings from previous studies; and used to draw conclusions which are of practical use for those involved in the development and use of personal Internet Banking.