Key drivers of internet banking services use.

The article presents a study which examines the factors that drive adoption of internet baking use and the role of product involvement, consumer-perceived risk, and consumer confidence in Spain. It explores the impact of product involvement, consumer trust, risk perception, and technology acceptance model (TAM) or usefulness beliefs on internet banking services. It indicates that TAM beliefs and perceived risks directly influence internet banking adoption and user trust serves as a moderating variable that reduces perceived risk, while product involvement increases the perception regarding ease of use. It suggests that web contents and design are key elements that increase adoption of internet banking services.