Drawing upon the theory of reasoned action, this paper theoretically develops an
extensive set of interrelationships among these variables and examines their
comparative effect on consumer intentions to use the internet for online transactions.
By indicating the relevance of TRA in the proposed model, the study makes a
theoretical and empirical contribution to the emerging e-commerce literature by
validating a theory-driven research model of how to influence transaction behavior in
web retailers. The present research tries to integrate the fragmented theories and
research on perceived risk and individual acceptance of internet banking technology
into a conceptual model that may help in understanding, explaining and predicting the
individual acceptance of internet banking services. We have drawn on TRA & TAM to
develop an integrated model for understanding consumer adoption of internet banking.