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The digital banking system provides numerous advantages to customers,however, there is still a lack of trust among some corporate customers. Absence of face-to-face interaction makes itvery impersonal. Thus, customers are more comfortable dealing with people in aphysical bank setting that provides personalized services as opposed tomechanical interaction. Many customers still do not trust the online mode ofservice especially for money related transactions. Users who are notfamiliar with internet banking feel very uncomfortable as they have doubtsregarding the accuracy of the transactions done online. The study looked toidentify the factors inhibiting the corporate customers of FNB IndustrialBranch from adopting internet banking technologies. The data was collectedthrough closed ended questionnaires thatwere administered face-to-face within FNB Industrial Branch. The study focusedon corporate customers and was administered to 132 respondents whichrepresented an 88% response rate. The data labelling and cleaning were done using SPSS. Cronbach’s Alpha was used formeasuring the total consistency between all items of the instrument andinternal consistency among items for each dimension. After reliability analysis,it was established that the key factors influencing internet banking were: performance expectancy, control factors, socialinfluence and behavioural intention. A simple regression analysis was conductedto test the research hypotheses following the criteria established byconsidering use of internet for forex transactions as thedependent variable. All of the independent variables were positive but only onewas significant at the confidence level of P ≤ 0.05. Only social influence is said to have an effect oninternet use for Forex transactions, therefore, based on the study, social influence would be a stronger factor leadingto adoption of internet banking for Forex transactions.

Adoption of Internet Banking Services by Corporate Customers for Forex Transactions Based on the TRA Model