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Internet banking is one prove of the increasing technology development and become the innovation in technology that should follow and adopt by the user. The purpose of this study is to investigate what factors that can influence the behavior intention of the internet banking user in the big city in Indonesia with the technology adoption model that adopted from J.-Cu. The collected from 258 respondents with purposive sampling method. The study found that self-efficacy is a strong determinant that affects perceived ease of use, which directly or indirectly affects behavioral intention using internet banking. Structural assurances are strong determinants that influence trusts, which can increase the behavioral intention of using internet banking. And system quality is a powerful determinant of perceived usefulness, which directly or indirectly can affect the behavioral intention using internet banking. This study shows the effect of behavioral intention from the influence of perceived usefulness factor, perceived ease of use, and trust. Keywords—behavior intention; internet banking; multivariate analysis; Technology Acceptance Model (TAM)

What Factors Influence the Behaviour Intention of the Internet Banking