Empirical data was collected from
the users of the Internet Banking. Data analysis and the fit of the
hypothetical model were conducted via LISREL 8.72 statistical
analysis. The results show that (1) Technology readiness has a
significant and positive influence on the user's informational-based
readiness and customer readiness. (2) The user's informational-based
readiness has a significant and positive impact on customer readiness
and the behavioral intention to use SSTs. (3) Customer readiness has
a significant and positive effect on the behavioral intention to use
SSTs. Managerial implications are provided about the importance of
accounting for readiness influences in the adoption and
implementation of SSTs going forward.