In this modified TAM, the factors are based on previous research. They are information online banking, security and privacy, trust, enjoyment, internet connectivity, and risks. All factors are believed to be the influences of the acceptance of E-banking usage. As the more customers accept and adopt the innovative IT, E-banking service, this will eventually lead to the diffusion of IT innovative services, e-banking in society. The explanation about factors in this modified TAM and reasons for including them is described below.