Modelling Of The Determinants Factors To Adopt E-Banking Services By Romanian Customers

The purpose of this study was to modelling factors with impact on adoption the electronic Banking services in transactions achieved by Romanian Banking customers. We used Internet, Mobile and Home Banking as the target technologies and Romanian subjects as the sampling frame. The study investigates the influence of perceived usefulness, perceived ease of use, compatibility, self-efficacy, technical resources, security, cost and time, factors chosen in function of the highest percentages of occurrence in respondents answers from the questionnaires. A principal component analysis was used to validate the constructs and multiple regressions were employed to analyse the data. The results show that perceived usefulness, compatibility, technical resources, security and cost, all have significant effect on adoption of e-Banking services.