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Comparatively a little attention has been paid to the factors that obstructthe acceptance of Internet banking in Sri Lanka. This research assimilatesconstructs such as security and privacy, perceived trust, perceived risk, andwebsite usability. To test the conceptual model, we collected 186 validresponses from customers who use Internet banking in Sri Lanka. The structuralequation modelling technique is applied and hypotheses are validated. Thefindings show perceived trust and website usability are the possibleobstructing factors that highly concerned by Internet banking customers. Whilesecurity and privacy, and perceived risk are not significant and these are nothighly concerned by customers in Internet banking acceptance. The age andgender reveal the moderating effect in each exogenous latent constructsrelationship. The practical and managerial implications of the findings arealso discussed. This country specific study contributes to the advancement ofInternet banking acceptance, and offers some useful insights to researchers,practitioners and policy makers on how to enhance Internet banking acceptancefor country similar in context.

What obstruct customer acceptance of internet banking? Security and privacy, risk, trust and website usability and the role of moderators