To test the proposed UTAUT extension, the data comprised current users of Internet banking in the United Kingdom. Prior research (Aladwani, 2006 and Venkatesh et al., 2003) forms the basis for measures, adapted when necessary to the Internet banking context (Table 1). The instrument was also pilot tested with a group of university graduate students and staff to verify clarity of meaning and comprehension, as well as functionality with respect to guidelines and time needed for completion.